Patent ID: 8458083
Filing Date: 2013-06-04
Classification: G06Q

Abstract:
1. A method for obtaining a consumer default risk value for a consumer, wherein said consumer default risk value is derived by a risk analysis computer, said method comprising: receiving, at a requestor host system and in response to a credit inquiry request, said consumer default risk value for said consumer from said risk analysis computer, wherein said risk analysis computer comprises a processor, a memory, and a data store, and wherein said consumer default risk value represents a risk associated with said consumer defaulting on an existing debt obligation, wherein said comprehensive consumer default risk value comprises a probability value between 0 and 1 and is calculated by said risk analysis computer by: obtaining, by said risk analysis computer, consumer credit data relating to said consumer; obtaining, by said risk analysis computer, internal data relating to said consumer wherein said internal data comprises consumer transactional data; modeling, by said risk analysis computer, consumer spending patterns of said consumer using said consumer credit data to obtain an estimated spend capacity of said consumer; and calculating, by said risk analysis computer, said consumer default risk value for said consumer based upon said consumer credit data, said internal data, and said estimated spend capacity wherein said calculating comprises: