CREDIT CARD COLLECTION STRATEGY MODEL

Patent №

US 6,098,052

Granted

2000-08-01

Filed 1998

Owner

FIRST USA BANK, N.A.

+3 more

Lab

AI components

4

ml · kr · planning · hardware

Assignment

Recorded

Dataset

AIPD

2023_r1 edition

Application

09021574

The present invention is a computerized collection strategy model for use in collecting payments from delinquent accounts. The computerized collection strategy model estimates for each possible collection strategy, how much will be paid on each account in response to that collection strategy, estimates the amount of resources to be expended in the execution of that collection strategy, and recommends a particular collection strategy for each account that optimizes the use of the available collection resources.

Machine learningKnowledge representationPlanningAI hardwareG06Q 10/10G06Q 20/102G06Q 30/04G06Q 40/00G06Q 40/03G06Q 40/12

AI classification

Planning1.00
Knowledge representation0.84
Machine learning0.82
AI hardware0.59
Natural language0.44
Evolutionary computation0.01
Speech0.00
Vision0.00

Ownership

FIRST USA BANK, N.A.

assignment · 99760266

CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION

merger · 226590554

JPMORGAN CHASE BANK, N.A.

assignment · 226590576

BANK ONE, DELAWARE, NATIONAL ASSOCIATION

namechg · 226590608

Assignors

KOSIBA, ERIC

On an employer assignment, the assignors are typically the inventors.

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