Patent Document ID: 20090248570
Application ID: 12058355
Patent Flag: 0

Claim One:
1. An account default prediction method comprising: obtaining a first consumer default risk factor associated with a first consumer; acquiring first student loan data associated with a first consumer, wherein said first student loan data is associated with a first lender; obtaining a second consumer default risk factor associated with a second consumer; acquiring second student loan data associated with a second consumer, wherein said second student loan data is associated with a first lender; calculating a first lender default risk factor based upon said first consumer default risk factor and said second consumer default risk factor; obtaining a third consumer default risk factor associated with a third consumer; acquiring third student loan data associated with a third consumer, wherein said third student loan data is associated with a second lender; obtaining a fourth consumer default risk factor associated with a fourth consumer; acquiring fourth student loan data associated with a fourth consumer, wherein said fourth student loan data is associated with said second lender; calculating a second lender default risk factor based upon said third consumer default risk factor and said fourth consumer default risk factor; and ranking said first lender and said second lender based on said first lender default risk factor and said second lender default risk factor to create a default risk factor ranking.