# US 8,788,388 B2 · Using commercial share of wallet to rate business prospects > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 8,788,388 B2 - Document ID: US8788388B2 - Status: Granted - Kind: B2 - Application number: 13/794,465 - Filed: 2013-03-11 - Published: 2013-08-01 - Granted: 2014-07-22 - Earliest claimed: 2004-10-29 - Assignees: American Express Travel Related Services Company, Inc. - Applicants: American Express Travel Related Services Company, Inc. - Inventors: Siddhartha Chatterji; Kathleen Haggerty; Charles Christopher Lyon; Benedict O. Okoh; Robert E. Phelan; Jon Kevin Ruterman; Geraldine A. Turner; Chao M. Yuan; Arnab Biswas - Web page: https://patentgrep.com/patent/US8788388B2 ## CPC - G06Q 30/0201: Market modelling; Market analysis; Collecting market data - G06Q 10/063: Operations research, analysis or management - G06Q 30/02: Marketing; Price estimation or determination; Fundraising - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/08: Insurance - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## 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. Research analysts can use CSoW/CSoSW to provide a comprehensive and robust indication of the business prospects of a rated company. ## Claims ### Claim 1 A method comprising: modeling, by a financial assessment computer-based system, industry spending patterns, wherein the modeling is based on cardable operating expenses, a cost of goods sold, operating expenses and a cardable operating expenses ratio, and wherein the computer-based system comprises a computer processor and a tangible, non-transitory memory, wherein the modeling comprises aggregating trade credit data and company financial statement data; and estimating, by the computer-based system, a commercial size of spending wallet of a company based on known financial statement data of the company, total known business spending of the company, and the model of industry spending patterns. ### Claim 2 (depends on 1) The method of claim 1, further comprising issuing a corporate rating based on at least the commercial size of spending wallet of the company. ### Claim 3 (depends on 2) The method of claim 2, wherein the corporate rating is issued for the company. ### Claim 4 (depends on 3) The method of claim 3, wherein the issuing further comprises issuing a corporate rating based on at least the commercial size of spending wallet of the company and historical financial information of the company. ### Claim 5 (depends on 2) The method of claim 2, wherein the company is a customer of a provider, and the corporate rating is issued for the provider. ### Claim 6 (depends on 5) The method of claim 5, wherein the issuing further comprises issuing a corporate rating for the provider based on the commercial size of spending wallet of the company and historical financial information of the provider. ### Claim 7 (depends on 2) The method of claim 2, wherein the issuing further comprises updating, by the financial assessment computer-based system, an existing corporate rating based on the commercial size of spending wallet of the company. ### Claim 8 (depends on 1) The method of claim 1, wherein the estimating further comprises outputting, by the computer-based system, the commercial size of spending wallet as a score. ### Claim 9 (depends on 1) The method of claim 1, wherein the model of industry spending patterns is used to infer financial statement data that is not known. ### Claim 10 (depends on 1) The method of claim 1, wherein the model of industry spending patterns is used to infer spending data that is not known. ### Claim 11 A system comprising: a computer processor configured for financial assessment; and a tangible, non-transitory computer-readable medium having instructions stored thereon that, in response to execution by the computer processor, cause the computer processor to perform operations comprising: modeling, by the processor, industry spending patterns, wherein the modeling is based on cardable operating expenses, a cost of goods sold, operating expenses and a cardable operating expenses ratio, wherein the modeling comprises aggregating tread credit data and company financial statement date; and estimating, by the processor, a commercial size of spending wallet of a company based on known financial statement data of the company, total known business spending of the company, and the model of industry spending patterns. ### Claim 12 (depends on 11) The system of claim 11, further comprising issuing a corporate rating based on at least the commercial size of spending wallet of the company. ### Claim 13 (depends on 12) The system of claim 12, wherein the corporate rating is issued for the company. ### Claim 14 (depends on 13) The system of claim 13, wherein the issuing further comprises issuing a corporate rating based on at least the commercial size of spending wallet of the company and historical financial information of the company. ### Claim 15 (depends on 12) The system of claim 12, wherein the company is a customer of a provider, and the corporate rating is issued for the provider. ### Claim 16 (depends on 15) The system of claim 15, wherein the issuing further comprises issuing a corporate rating for the provider based on the commercial size of spending wallet of the company and historical financial information of the provider. ### Claim 17 (depends on 12) The system of claim 12, wherein the issuing further comprises updating, by the computer-based system, an existing corporate rating based on the commercial size of spending wallet of the company. ### Claim 18 (depends on 11) The system of claim 11, wherein the estimating further comprises outputting, by the computer-based system, the commercial size of spending wallet as a score. ### Claim 19 (depends on 11) The system of claim 11, wherein the model of industry spending patterns is used to infer at least one of financial statement data that is not known and spending data that is not known. ### Claim 20 An article of manufacture including a non-transitory computer-readable medium having instructions stored thereon that, in response to execution by a computing device configured for financial assessment, cause the computing device to perform operations comprising: modeling, by the computing device, industry spending patterns, wherein the modeling is based on cardable operating expenses, a cost of goods sold, operating expenses and a cardable operating expenses ratio, wherein the modeling comprises aggregating trade credit data and company financial statement data; and estimating, by the computing device, a commercial size of spending wallet of a company based on known financial statement data of the company, total known business spending of the company, and the model of industry spending patterns.