Patent Document ID: 8417612
Application ID: 13432968
Patent Flag: 1

Claim One:
1. A method comprising: modeling, by a financial assessment computer-based system, industry spending patterns, wherein the computer-based system comprises a computer processor and a tangible, non-transitory memory and wherein the modeling comprises: identifying the cost of goods sold and operating expenses; at least one of identifying the cardable operating expenses from the operating expenses and identifying a cardable operating expenses ratio from aggregate corporate data; at least one of summing the cardable operating expenses with the cost of goods sold and summing the cost of goods sold with the product of operating expenses and the cardable operating expenses ratio; estimating, by the financial assessment computer-based system, a commercial size of spending wallet of a 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, and wherein the model of industry spending patterns is used to infer financial statement data and spending data that is not known.