A system configured to construct one or more sub-scores for an economic sector

摘要

A system configured to construct one or more sub-scores for an economic sector comprises one or more computer-readable mediums configured to receive transactional data relating to a plurality of transactions for a plurality of accounts; one or more processors configured to categorize the transactional data stored on the one or more computer-readable mediums into at least one industry or sector; one or more processors configured to calculate at least one sub-score for at least one industry or sector At least a portion of the plurality of accounts relate to a first entity and a portion relates to a second entity. The sub-scores are selected from the group consisting of: an investment sub-score, an account sub-score, and a discretionary sub-score. Calculating the investment sub-score comprises determining whether the transactional data comprises an investment. If the transactional data does not comprise an investment, a predefined value is assigned as the investment sub-score, and if the transactional data comprises an investment, performing the method comprising determining a source of funding for the investment; determining the duration of the investment; and determining an amount of the funding for the investment as a ratio to a user's or entity's overall spending for a time-frame. Calculating an account sub-score comprises categorizing a quantity of financial accounts associated with the individual into an account type; determining an amount of funds within the financial accounts; and calculating the account sub-score as a function of the quantity of funds within a plurality of the account types for a time frame and calculating a discretionary spending sub-score comprises categorizing transactions within the transactional data as either discretionary or necessity. The categorizing of the transactional data comprises for at least one expenditure category, determining i) the quantity of transactions and ii) the amount of spending for the transactions for a time frame; and determining if at least one transaction was conducted with at least one specific vendor.