Using commercial share of wallet to rate investments

• US 20080221973A1
• Filed: 10/25/2007
• Published: 09/11/2008
• Est. Priority Date: 10/24/2005
• Status: Abandoned Application

• Current Assignee: Experian Marketing Solutions Incorporated (Experian plc)
• Original Assignee: Experian Marketing Solutions Incorporated (Experian plc)
• Inventors: Granger, Angela, Kornegay, Adam T., Megdal, Myles G., Bolin, Peter, McMillan, Helen
• Application Number:
  US11/978,173
• Publication Number:
  US 20080221973A1
• Time in Patent Office: Days
• US Class Current: 705/10
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company'"'"'s spend capacity. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund'"'"'s portfolio.

Claims

1. A method of rating a company for investment purposes, comprising:

(a) identifying target companies;

(b) modeling industry spending patterns using individual and aggregate corporate data, including financial statement data;

(c) for each identified company, estimating a commercial size of spending wallet of the company based on financial statement data of the company, total business spend of the company, and the model of industry spending patterns; and

(d) evaluating the financial strength of the company based on the commercial size of spending wallet of the company.

2. (canceled)

3. (canceled)

4. A computer-based system for rating a company for investment purposes, comprising:

a processor; and

a memory in communication with the processor for storing a plurality of instructions for directing the processor to identify target companies;

model industry spending patterns using individual and aggregate corporate data, including financial statement data;

for each identified company, estimate a commercial size of spending wallet of the company based on financial statement data of the company, total business spend of the company, and the model of industry spending patterns; and

evaluate the financial strength of the company based on the commercial size of spending wallet of the company.

5. (canceled)