Abstract: Systems and methods are provided for transforming historical data collected in response to one or more triggering events, in order to analyze resource utilization, inflow and outflow. Embodiments access inflow and outflow information corresponding to a primary node from historical data; analyze the inflow and outflow information corresponding to the primary node in order to identify one or more channels of flow out of a plurality of channels of flow, each channel connecting the primary node and a secondary node, the one or more channels of flow identified when they exhibit one or more predetermined characteristics; determine that the one or more channels of flow, based on the exhibited predetermined characteristics should be categorized into one or more categories out of a plurality of categories.

Abstract: Apparatus for identifying misclassified customers in a customer database is provided. The apparatus may include a receiver configured to receive information corresponding to a plurality of customers and information corresponding to a plurality of transactions. The apparatus may additionally include a processor configured to calculate a mean transaction value and a standard deviation from the mean transaction value, wherein the mean transaction value is calculated using the plurality of transactions. The processor may be further configured to identify a subset of customers included in the plurality of customers and modify at least a portion of the electronic classifications of the subset of customers. The modification may include changing an individual customer classification to a small business or preferred customer classification.