Technology system for assisting financial institutions in debt collection
US12002091B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Apr 13, 2022 |
| Grant date | Jun 4, 2024 |
| Priority date | — |
| Expiry date | Jul 22, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06N20/20
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
According to an aspect, a technology system maintains an account data specifying the details of multiple accounts including a specific set of accounts as being delinquent. Upon receiving a feature set to be used, the system clusters the multiple accounts into groups based on the feature set. The system generates a multi-classification model for assignment of agents to the accounts based on the group qualifiers associated with the groups and the feature set. The system then identifies a target group likely to present problems with debt collection, assigns, using the multi-classification model, a corresponding agent for each account of the group and determines a recommended recovery strategy for each assignment. The system provides the details of the group, the corresponding agents assigned and the recommended recovery strategy for each assignment.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.