The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 17, 2017
Filed:
Dec. 13, 2011
Gregory Gancarz, San Diego, CA (US);
Jenny Zhang, San Diego, CA (US);
Kathleen Marie Crowe, San Diego, CA (US);
Gregory Gancarz, San Diego, CA (US);
Jenny Zhang, San Diego, CA (US);
Kathleen Marie Crowe, San Diego, CA (US);
Opera Solutions U.S.A., LLC, Jersey City, NJ (US);
Abstract
A system for automatically recommending treatments for delinquent accounts in collections is provided. The system includes one or more sub-models for analyzing and scoring delinquent accounts and comparing them to historical accounts to identify similar historical accounts. The system can select and recommend one or more treatments for the delinquent account based on treatments for the historical accounts that may have previously provided a favorable outcome for a similar account. The system may test the efficacy of new treatments and incorporate the results into the memory, thereby learning and adapting to new treatments and account behavior.