US Patent 8429068 Data aggregation for transaction banking partnerships

A system and method to assign a score to an entity involved in a transaction where the score is used to manage risk for a transaction underwriter. In particular, the score represents the ability of the entity to fulfill a financial obligation separate from the transaction where failure to fulfill the financial obligation by the entity results in defaulting on the transaction. The score assigned to the entity may be determined by aggregating data obtained from multiple sources, such as accounting application, payroll application, inventory management application, personal financial management application, and/or tax preparation application used by the entity.