Patent ID: 7853520

Claim:
A method for obtaining a comprehensive consumer default risk value, wherein said consumer default risk value is derived by a risk analysis computer, said method comprising: requesting, by a user computer, for said comprehensive consumer default risk value for said consumer, wherein said user computer comprises a processor and a non-transitory memory; and receiving, by said user computer, said comprehensive consumer default risk value for said consumer, wherein said comprehensive consumer default risk value is calculated by determining a comprehensive consumer default risk value, said determining comprises: obtaining consumer credit data and internal data relating to said consumer at said risk analysis computer, wherein said risk analysis computer comprises a processor, a memory, and a data store; 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 comprehensive consumer default risk value for said consumer based upon said consumer credit data and said estimated spend capacity, wherein said comprehensive consumer default risk value represents a risk associated with said consumer defaulting on an existing debt obligation and wherein said calculating comprises assigning, by said risk analysis computer, said consumer to a consumer population segment based upon primary residence value, selecting, by said risk analysis computer, an appropriate risk factor relationship based upon said consumer credit data and said internal data.