Patent Document ID: 7849004
Application ID: 12040757
Patent Flag: 1

Claim One:
1. A method for determining a comprehensive consumer default risk value for a consumer, wherein said consumer default risk value is derived by a risk analysis computer, said method comprising: obtaining consumer credit data relating to said consumer, at a 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; obtaining, by said risk analysis computer, internal data relating to said consumer, said internal data comprising consumer transactional data; calculating, by said risk analysis computer, said comprehensive consumer default risk value for said consumer based upon said consumer credit data, said internal 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.