Patent ID: 7844534

Claim:
A method comprising: modeling, by a computer-based system for rating an investment fund comprising a processor and a tangible and non-transitory memory, industry spending patterns using individual corporate data and aggregate corporate data, including financial statement data; estimating, by the computer-based system, a commercial size of spending wallet of a company in which the investment fund has likely invested based on 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 generating, by the computer-based system, a quality rating for the investment fund based on the commercial size of spending wallet of the company.