Using commercial share of wallet to rate investments
First Claim
1. A method comprising:
- estimating, by a computer-based system for rating an investment fund comprising a processor and a tangible and non-transitory memory, a commercial size of spending wallet for a plurality of companies based on known financial statement data of each company in the plurality of companies, total known business spending of each company in the plurality of companies, and a model of industry spending patterns, wherein the commercial size of spending wallet is the total business spending of the plurality of companies that can be transacted using a transaction account, wherein the model of industry spending patterns is used to infer financial statement data and spending data that is not known;
rating, by the computer-based system, the investment fund based on the commercial size of sending wallet for the plurality of companies; and
displaying, by the computer-based system, the rating on a display interface.
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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.
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Citations
11 Claims
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1. A method comprising:
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estimating, by a computer-based system for rating an investment fund comprising a processor and a tangible and non-transitory memory, a commercial size of spending wallet for a plurality of companies based on known financial statement data of each company in the plurality of companies, total known business spending of each company in the plurality of companies, and a model of industry spending patterns, wherein the commercial size of spending wallet is the total business spending of the plurality of companies that can be transacted using a transaction account, wherein the model of industry spending patterns is used to infer financial statement data and spending data that is not known; rating, by the computer-based system, the investment fund based on the commercial size of sending wallet for the plurality of companies; and displaying, by the computer-based system, the rating on a display interface. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A computer-based system comprising:
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a processor for rating an investment fluid; and a tangible, non-transitory memory in communication with the processor for storing a plurality of instructions for directing the processor to perform operations comprising; estimating, by the processor, a commercial size of spending wallet for a plurality of companies based on known financial statement data of each company in the plurality of companies, total known business spending of each company in the plurality of companies, and a model of industry spending patterns, wherein the commercial size of spending wallet is the total business spending of the plurality of companies that can be transacted using a transaction account, wherein the model of industry spending patterns is used to infer financial statement data and spending data that is not known; rating, by the processor, the investment fund based on the commercial size of spending wallet for the plurality of companies; and displaying, by the processor, the rating on a display interface. - View Dependent Claims (8, 9, 10, 11)
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Specification