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CALCULATING CREDIT WORTHINESS USING TRANSACTIONAL DATA

  • US 20080270292A1
  • Filed: 04/25/2007
  • Published: 10/30/2008
  • Est. Priority Date: 04/25/2007
  • Status: Active Grant
First Claim
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1. A method of determining credit worthiness of a customer, the method comprising:

  • receiving transactional data corresponding to transactions associated with the customer;

    categorizing the transactional data into inflows and outflows;

    generating a cash flow statement based on the categorized transactional data;

    generating a net worth statement using the transactional data; and

    determining credit worthiness based on the generated cash flow statement and net worth statement.

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