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TOTAL STRUCTURAL RISK MODEL

  • US 20090222380A1
  • Filed: 02/29/2008
  • Published: 09/03/2009
  • Est. Priority Date: 02/29/2008
  • Status: Abandoned Application
First Claim
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1. A method for obtaining a comprehensive consumer default risk value for a consumer with respect to a debt obligation secured by real property, wherein said comprehensive consumer default risk value is derived by a risk analysis computer, said method comprising:

  • requesting said comprehensive consumer default risk value for said consumer; and

    receiving said comprehensive consumer default risk value for said consumer, wherein said comprehensive consumer default risk value is calculated by determining a comprehensive consumer default risk value, said determining comprises;

    obtaining, at said risk analysis computer, wherein said risk analysis computer comprises a processor, a memory, and a data store, consumer credit data relating to said consumer;

    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; and

    calculating, by said risk analysis computer, said comprehensive consumer default risk value for said consumer based upon said consumer credit 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.

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