Patent Document ID: 20090222375
Application ID: 12040767
Patent Flag: 0

Claim One:
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 and is calculated by said risk analysis computer by: obtaining, using said risk analysis computer, consumer credit data relating to said consumer; obtaining, using said risk analysis computer, internal data relating to said consumer; modeling, using 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, using 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.