1. A computer-implemented method for identifying an on-line bank account utilized for business purposes, the method being performed by a computer and comprising: the computer parsing data of an on-line bank account into a plurality of segments; the computer applying a first set of rules to individual segments and a second set of rules to groups of multiple segments; and the computer determining whether the on-line bank account is a business account or utilized for business purposes based at least in part upon respective scores generated by application of respective first and second sets of rules.