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Title:
SYSTEM AND METHOD FOR COLLECTIONS ON DELINQUENT FINANCIAL ACCOUNTS
Document Type and Number:
WIPO Patent Application WO/2011/139889
Kind Code:
A3
Abstract:
A computer-implemented method for selecting a financial services collection program to be applied to a delinquent debtor account. First, an ability to pay index (API) is computed (31) as a function of one or more predetermined ability to pay indicators for the debtor. Next, a willingness to pay index (WPl) is computed (32) as a function of one or more predetermined willingness to pay indicators for the debtor. One of a plurality of predetermined collection programs to be offered to the debtor is then selected as a function of each of the API and the WPL. The WPl is computed by evaluating one or more of a past action taken by the debtor or a past status of the debtor account (705).

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Inventors:
HE HAIJIAN (US)
ZHANG JENNY GUOFENG (US)
Application Number:
PCT/US2011/034530
Publication Date:
December 29, 2011
Filing Date:
April 29, 2011
Export Citation:
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Assignee:
OPERA SOLUTIONS LLC (US)
HE HAIJIAN (US)
ZHANG JENNY GUOFENG (US)
International Classes:
G06Q40/00
Foreign References:
US20070156581A12007-07-05
US6513018B12003-01-28
US20030004868A12003-01-02
US20090048957A12009-02-19
Attorney, Agent or Firm:
RUDNICK, Robert E. et al. (One Gateway CenterNewark, NJ, US)
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