Intelligent collections models

Details Intelligent collections models Intelligent collections models

2006-12-05

2010-11-02

Kramer, James A (Department: 3693)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S035000

Reexamination Certificate

active

07827100

ABSTRACT:
Apparatuses, computer media, and methods for analyzing credit and tax form data and determining a collections treatment type to collect revenue. A collections model is constructed to determine a collections score that is based on raw credit data and tax form data and is indicative of a debtor's propensity to pay an owed amount. The collections model includes score bands, each score band being associated with a range of credit scores. A collections score is determined from a scoring expression that is associated with a score band and that typically includes a subset of available raw credit data and tax form data. A collections treatment type is determined from a collections score. Each treatment type corresponds to a treatment action that is directed to the debtor. A collections model is constructed from historical tax data, in which score bands and scoring expressions are constructed for the collections model.

REFERENCES:
patent: 6098052 (2000-08-01), Kosiba et al.
patent: 6912508 (2005-06-01), McCalden et al.
patent: 7191150 (2007-03-01), Shao et al.
patent: 2002/0116245 (2002-08-01), Hinkle et al.
“Statement in Accordance with the Notice from the European Patent Office”, Oct. 1, 2007.
International Search Report for PCT/IB2007/004358, dated Aug. 14, 2008, pp. 1-2.

Affiliated with

Also associated with

Rating

Intelligent collections models does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Intelligent collections models, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Intelligent collections models will most certainly appreciate the feedback.

Rate now

Comments { 0 }

Profile ID: LFUS-PAI-O-4217849