METHOD FOR WEIGHTING A CREDIT SCORE AND DISPLAY OF BUSINESS SCORE
First Claim
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1. A method of displaying a credit score for a financial transaction comprising the steps of:
- receiving at a computer server, financial data for a tenant via a data input module, the financial data having multiple data points;
receiving at the computer server, industry information via an industry peer group sorting module, the industry information having multiple data points;
receiving at the computer server, information relating to a lease structure for the tenant via the data input module;
comparing using the computer server, the multiple data points of the financial data to the multiple data points of the industry information via the benchmarking sub-process module in order to transform the financial data and industry information by establishing numeric benchmark values to derive a credit score with regard to financial factors related to the lease transaction;
recalculating using the computer server, via the recalculating module, the credit score based on the lease structure information; and
transmitting from the computer server, via the transmitting module, the modified credit score for display on a client machine.
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Abstract
A method for displaying a credit score for financial transactions can be used for such business endeavors such as a lease or purchasing property. The weighting system display financial data scoring with respect to industry information in order to transform financial data and industry information to a score by establishing numeric benchmark values and display a score with regard to financial factors related to the business transaction.
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Citations
21 Claims
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1. A method of displaying a credit score for a financial transaction comprising the steps of:
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receiving at a computer server, financial data for a tenant via a data input module, the financial data having multiple data points; receiving at the computer server, industry information via an industry peer group sorting module, the industry information having multiple data points; receiving at the computer server, information relating to a lease structure for the tenant via the data input module; comparing using the computer server, the multiple data points of the financial data to the multiple data points of the industry information via the benchmarking sub-process module in order to transform the financial data and industry information by establishing numeric benchmark values to derive a credit score with regard to financial factors related to the lease transaction; recalculating using the computer server, via the recalculating module, the credit score based on the lease structure information; and transmitting from the computer server, via the transmitting module, the modified credit score for display on a client machine. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A system for serving and creating a web page having a composite ranking display that incorporates elements from multiple sources, the system comprising:
- a computer server in communication with a computer network and automatically creating a web page or app having a composite ranking display;
a first data input module receiving financial data for a tenant, the first data input module having hundreds of financial data points, the first data input module linked to the computer server;
an industry peer group sorting module receiving industry data, the industry peer group sorting module having hundreds of industry data points, the industry peer group sorting module linked to the computer server;
a second data input module receiving information relating to a lease structure for the tenant, the second data input module linked to the computer server;
a benchmarking sub-process module automatically receives the industry and financial data points and compares the hundreds of industry and financial data points in order to transform the financial and industry data to establish a numeric benchmark value and to create a ranking display for the web page or app, providing a ranking with regard to the lease transaction;
a recalculating module for recalculating the ranking based on the lease structure information and updating the web page or app with the recalculated ranking; and
providing a graphical display on the webpage or app comprising a depiction of each of three following components that are combined to calculate the ranking;
i) tenant score based on the financial data points;
ii) industry score based on the industry data points; and
iii) lease score based on the lease structure. - View Dependent Claims (18, 19, 20, 21)
- a computer server in communication with a computer network and automatically creating a web page or app having a composite ranking display;
Specification