American Express Travel Related Services Company, Inc.

Arnab Biswas

Kathleen Haggerty

Chao M Yuan

Robert Phelan

Charles Christopher Lyon

Jon Kevin Ruterman

Geraldine A Turner

Benedict O Okoh

Siddhartha Chatterji

Commercial size of spending wallet ('CSoSW') is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet ('CSoW') is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Research analysts can use CSoW/CSoSW to provide a comprehensive and robust indication of the business prospects of a rated company.

Using commercial share of wallet to rate business prospects

Commercial size of spending wallet ('SoSW') is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet ('SoW') is the portion of the spending wallet that is captured by a particular financial company. Commercial SoW is a modeling approach that utilizes various data sources to provide outputs that describe a company's spend capacity. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new account evaluation, and customer management across the lifecycle. Company financial statements are utilized to identify and calculate total business spend of a company that could be transacted using a commercial credit card. A spend-like regression model may then be developed to estimate annual commercial SoSW value for customers and prospects within a credit network.

Determining commercial share of wallet

Commercial size of spending wallet ('CSoSW') is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet ('CSoW') is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. A mutual fund rating company can use this CSoW/CSoSW modeling approach to predict the performance of funds that invest in a particular industry or sector. In addition, since mutual funds often provide guidelines for selecting stocks, rating companies can use this modeling approach to predict the performance of companies in a fund's portfolio.

Using commercial share of wallet to rate investments

Commercial size of spending wallet ('CSoSW') is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet ('CSoW') is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Banks and lenders can use CSoW/CSoSW to determine who to lend to and who to deny credit to, as well as for pricing loans and other products in a dynamic way. Banks and lenders can also determine which customers should be retained, as well as identify loans which are likely to default.

Using commercial share of wallet to make lending decisions

Commercial size of spending wallet ('CSoSW') is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet ('CSoW') is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Private equity firms and other investors of small businesses can use the CSoW/CSoSW modeling approach to more accurately evaluate small and privately held companies, both during investment and for evaluating prospective investments. Over-the-counter securities trading systems can also use this modeling approach to provide more accurate information and/or rankings of listed companies to their customers.

Using commercial share of wallet in private equity investments

Commercial size of spending wallet ('CSoSW') is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet ('CSoW') is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Marketing companies that sell lists compile those lists by searching one or more databases for names and/or businesses that match certain criteria. Those marketing companies can use the CSoW/CSoSW modeling approach to show predicted spend and/or revenues for each company on a list. This makes the list more valuable to list buyers.

Using commercial share of wallet to compile marketing company lists

Commercial size of spending wallet ('CSoSW') is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet ('CSoW') is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Companies which provide databases of financial information about other companies can use scores provided by this CSoW/CSoSW modeling approach to give an indication of how much the company is likely to spend in the future.

Using commercial share of wallet in financial databases

Commercial size of spending wallet ('CSoSW') is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet ('CSoW') is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Online marketplaces that allow small businesses to advertise their services can use this CSoW/CSoSW modeling approach to provide a rating that gives an indication of the business prospects of the vendors listed on their sites. Further, such marketplaces can combine this information with their own internal analytics to provide a single holistic rating.

Using commercial share of wallet to analyze vendors in online marketplaces

Commercial size of spending wallet ('CSoSW') is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet ('CSoW') is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Government agencies, procurement departments, and others that patronize small businesses can use CSoW/CSoSW to determine businesses that should be awarded contracts and businesses that should be denied. CSoW/CSoSW may also be used to manage approved vendor lists.

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Calcutta, India

Arnab Biswas