INTELLIGENT COLLECTIONS MODELS
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United States of America Patent
Stats
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N/A
Issued Date -
N/A
app pub date -
May 19, 2014
filing date -
Dec 5, 2006
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
Apparatuses, computer media, and methods for analyzing credit and tax form data and determining a collection 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.
First Claim
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