Oracle International Corporation

Aaron P Thomas

Tapomoy Dey

Using a model to estimate a payment delinquency for an invoice is described. Multiple delinquency estimation models are generated based on a training set of invoices. Each delinquency estimation model estimates a respective payment delinquency for a particular invoice. A refined payment delinquency is determined for the particular invoice based on respective payment delinquencies determined by the delinquency estimation models. Information associated with a set of invoices may be presented at an interface based on the respective payment delinquencies. A payment reminder application may be programmed to process the invoices according to payment reminder schedules determined based on the respective payment delinquencies. Additionally, invoices may be added to the training set of invoices to update the delinquency estimation models. Invoices that were processed according to a payment reminder schedule that was modified based on the respective payment delinquencies are not included in the training set of invoices.

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San Francisco, CA, United States of America

Aaron P Thomas