Patent Document ID: 8086509
Application ID: 11497563
Patent Flag: 1

Claim One:
1. A method of estimating spend capacity of a company, comprising: obtaining financial statement data of the company; modeling, by a computer-based system programmed to estimate spend capacity of a company comprising a computer processor and a tangible memory, industry spending patterns using individual corporate data and aggregate corporate data, including financial statement data; calculating, by the computer-based system, total known business spending of the company; determining, by the computer-based system, the total operating expenses of the company; identifying, by the computer-based system, cardable operating expenses of the company from the total operating expenses of the company; and 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, trade credit data and the model of industry spending patterns, wherein the commercial size of spending wallet comprises the company's cost of goods sold plus the cardable operating expenses of the company, 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.