Patent Document ID: 8326672
Application ID: 11497530
Patent Flag: 1

Claim One:
1. A method comprising: modeling, by a computer-based system for enhancing a report pertaining to a business comprising a processor and tangible, non-transitory memory, industry spending patterns using individual corporate data and aggregate corporate data, including financial statement data; determining, by the computer-based system, the total operating expenses of the business; identifying, by the computer-based system, cardable operating expenses of the business from the total operating expenses of the business; estimating, by the computer-based system, a commercial size of spending wallet of the business based on, at least, known financial statement data of the business, total known business spending of the business, and the model of industry spending patterns, wherein the commercial size of spending wallet comprises the business's cost of goods sold plus the cardable operating expenses of the business, 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 including an indication of the commercial size of spending wallet of the business in the report.