Patent Document ID: 9898779
Application ID: 14280388
Patent Flag: 1

Claim One:
1. A method comprising: storing, by an account default prediction computer based system, account default predictions and spend predictions in a database as ungrouped data elements via a fixed memory offset using a binary large object method with different data sets from different owners with different formats; annotating, by the account default prediction computer based system, the account default predictions and the spend predictions with a header, trailer or indicator to convey information for managing the account default predictions and the spend predictions; annotating, by the account default prediction computer based system, the account default predictions and the spend predictions to include security information establishing access levels; providing, by the account default prediction computer based system, based on the security access level and in response to updating a permissions indicator, access to the account default predictions and the spend predictions; designating, by the account default prediction computer based system, a type of the account default predictions and the spend predictions as a key field in a plurality of related data tables to speed searching for the data; linking, by the account default prediction computer based system, the plurality of related data tables based on the type of the account default predictions and the spend predictions in the key fields; partitioning, by the account default prediction computer based system and using the key field, the database according to a class of objects defined by the key field to speed searching for the account default predictions and the spend predictions; sorting, by the account default prediction computer based system, the account default predictions and the spend predictions according to a known order to simplify the lookup process; obtaining, by the account default prediction computer based system, the account default predictions and the spend predictions from the database; determining, by the account default prediction computer based system, a first risk index associated with an installment account issued by a first lender based on the account default predictions and the spend predictions, wherein the data for determining the account default predictions and the spend predictions is obtained from transaction processing systems having merchant servers and processing servers, determining, by the account default prediction computer based system, a second risk index associated with an installment account issued by a second lender; and creating, by the account default prediction computer based system, a risk index ranking of the first lender and the second lender based upon the first risk index and the second risk index, wherein the risk index ranking is used to determine a credit decision for a consumer.