Using commercial share of wallet in private equity investments
First Claim
1. A method comprising:
- modeling, by a financial analysis processor, industry spending patterns using individual corporate data and aggregate corporate data creating a model of industry spending patterns;
determining, by financial analysis processor, the total operating expenses of the company;
identifying, by the financial analysis processor, cardable operating expenses of the company from the total operating expenses of the company;
estimating, by the financial analysis processor, a commercial size of spending wallet of the company, based on, at least, the model of industry spending patterns, wherein the commercial size of spending wallet comprises the company'"'"'s cost of goods sold plus the cardable operating expenses of the company; and
outputting, by the financial analysis processor, the estimated commercial size of spending wallet.
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Accused Products
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. Private equity firms and other investors of small businesses can use the CSoW/CSoSW modeling approach to more accurately evaluate small and privately held companies, both during investment and for evaluating prospective investments. Over-the-counter securities trading systems can also use this modeling approach to provide more accurate information and/or rankings of listed companies to their customers.
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Citations
20 Claims
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1. A method comprising:
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modeling, by a financial analysis processor, industry spending patterns using individual corporate data and aggregate corporate data creating a model of industry spending patterns; determining, by financial analysis processor, the total operating expenses of the company; identifying, by the financial analysis processor, cardable operating expenses of the company from the total operating expenses of the company; estimating, by the financial analysis processor, a commercial size of spending wallet of the company, based on, at least, the model of industry spending patterns, wherein the commercial size of spending wallet comprises the company'"'"'s cost of goods sold plus the cardable operating expenses of the company; and outputting, by the financial analysis processor, the estimated commercial size of spending wallet. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system comprising:
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a processor for estimating spending capacity of a company; a tangible, non-transitory memory communicating with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations of; modeling, by the processor, industry spending patterns using individual corporate data and aggregate corporate data creating a model of industry spending patterns; determining, by the processor, the total operating expenses of the company; identifying, by the processor, cardable operating expenses of the company from the total operating expenses of the company; estimating, by the processor, a commercial size of spending wallet of a company based on, at least, the model of industry spending patterns, wherein the commercial size of spending wallet comprises the company'"'"'s cost of goods sold plus the cardable operating expenses of the company; and outputting, by the processor, the estimated commercial size of spending wallet. - View Dependent Claims (14, 15, 16)
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17. A tangible, non-transitory computer readable medium comprising instructions stored thereon that, in response to execution by a processor for estimating spending capacity of a company, cause the processor to perform operations of
modeling, by the processor, industry spending patterns using individual corporate data and aggregate corporate data creating a model of industry spending patterns; -
determining, by the processor, the total operating expenses of the company; identifying, by the processor, cardable operating expenses of the company from the total operating expenses of the company; estimating, by the processor, a commercial size of spending wallet of a company based on, at least, the model of industry spending patterns, wherein the commercial size of spending wallet comprises the company'"'"'s cost of goods sold plus the cardable operating expenses of the company; and outputting, by the processor, the estimated commercial size of spending wallet. - View Dependent Claims (18, 19, 20)
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Specification