Patent ID: 7792732

Claim:
A method of rating an investment fund, comprising: (a) identifying companies in which the fund has likely invested; (b) modeling, by a computer-based system programmed to rate an investment fund, industry spending patterns using individual corporate data and aggregate corporate data, including financial statement data; (c) for each identified company, estimating, by the computer-based system, a commercial size of spending wallet of the company based on, at least, known financial statement data of the company, total known business spending of the company, and the model of industry spending patterns, wherein the commercial size of spending wallet is the total business spending of the company that can be transacted using a payment instrument, wherein the payment instrument is associated with a transaction account, and wherein the model of industry spending patterns is used to infer financial statement data and spending data that is not known; and (d) providing, by the computer-based system, a quality rating for the fund based on, at least, the commercial size of spending wallet of the identified companies.