Patent Document ID: 20070214076
Application ID: 11535907
Patent Flag: 0

Claim One:
1. A method of generating a default/bankruptcy model for assigning an individual to particular segments of a segmentation structure, wherein the default/bankruptcy model is indicative of an individual's propensity to either default on one or more financial instruments or file for bankruptcy, the method comprising: receiving observation data comprising financial and demographic information regarding a plurality of individuals, the observation data indicating characteristics of the individuals at an observation time; receiving outcome data comprising financial and demographic information regarding the plurality of individuals fitting a bad performance definition, the outcome data indicating characteristics of the individuals fitting the bad performance definition during an outcome period, the outcome period beginning after the observation time; and comparing the observation data and the outcome data in order to generate the bankruptcy/default model usable to determine which of a plurality of segments in the segmentation structure a particular individual should be assigned.