Patent Document ID: 7844515
Application ID: 10644110
Patent Flag: 1

Claim One:
1. A method of performing financial processing, comprising: (a) selecting, in one or more computers, accounts, amounts and rates from account data stored in a database using selection criteria specified by one or more rules; and (b) performing, in the one or more computers, one or more Net Present Value (NPV) calculations on the selected accounts according to NPV forecast and attrition rules using the selected amounts and rates, wherein the NPV calculations determine a net present value of an expected profitability value of the selected accounts; (c) wherein the NPV calculations include performing NPV forecast calculations by applying the NPV forecast rules to the selected accounts using the selected amounts and rates, performing NPV attrition calculations by applying the NPV attrition rules to results of the NPV forecast calculations, and determining the net present value of the selected accounts from results of the NPV attrition calculations; (d) wherein applying the NPV forecast rules comprises matching the NPV forecast rule against the selected accounts, obtaining an amount to be forecast from the matched accounts using forecast amount selection criteria specified in the NPV forecast rule, obtaining account level information needed from the matched account data, obtaining an Assumed Cash Flow for the matched accounts, obtaining a Contractual Cash Flow from matched accounts, mapping remaining terms of the matched accounts to forecast periods, calculating amounts for each forecast period using the NPV forecast rule, and storing the amounts in the database; and (e) wherein the NPV forecast rule is selected from a plurality of methods comprising Constant (no compounding), Constant (with compounding), Additive (no compounding), Additive (with compounding), Manual (no compounding), Manual (with compounding), Declining balance, Interest—Unpaid Principal, Interest—Paid Principal, and Constant methods.