WO2002031622A3 - System and method for supervising account management operations - Google Patents

System and method for supervising account management operations Download PDF

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Publication number
WO2002031622A3
WO2002031622A3 PCT/US2001/031517 US0131517W WO0231622A3 WO 2002031622 A3 WO2002031622 A3 WO 2002031622A3 US 0131517 W US0131517 W US 0131517W WO 0231622 A3 WO0231622 A3 WO 0231622A3
Authority
WO
WIPO (PCT)
Prior art keywords
account
delinquency
movement
promise
baseline
Prior art date
Application number
PCT/US2001/031517
Other languages
French (fr)
Other versions
WO2002031622A2 (en
Inventor
Rebecca Lynn Siegel
Jeffrey David Finocchiaro
William Fredrick Herberger
Original Assignee
First Usa Bank Na
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by First Usa Bank Na filed Critical First Usa Bank Na
Priority to AU2002211552A priority Critical patent/AU2002211552A1/en
Publication of WO2002031622A2 publication Critical patent/WO2002031622A2/en
Publication of WO2002031622A3 publication Critical patent/WO2002031622A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Abstract

A technique for tracking and managing account movement using a delinquency movement matrix (202) is described. Customer Service Representatives may receive a promise for a payment amount for an account, after which the invention may record the baseline delinquency of the account at the time the promise is received, retrieve updated account information after a predetermined time period, and compare the baseline delinquency of the account to the updated delinquency of the account to determine the movement of that account through delinquency stages. The CSR staff may be awarded points based on the number of levels they are able to advance accounts to higher levels of currency, the risk of chargeoffs may be reduced and overall portfolio currency increased.
PCT/US2001/031517 2000-10-12 2001-10-10 System and method for supervising account management operations WO2002031622A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002211552A AU2002211552A1 (en) 2000-10-12 2001-10-10 System and method for supervising account management operations

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US23927700P 2000-10-12 2000-10-12
US60/239,277 2000-10-12
US09/901,078 US7580890B2 (en) 2000-10-12 2001-07-10 System and method for supervising account management operations
US09/901,078 2001-07-10

Publications (2)

Publication Number Publication Date
WO2002031622A2 WO2002031622A2 (en) 2002-04-18
WO2002031622A3 true WO2002031622A3 (en) 2003-02-06

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/031517 WO2002031622A2 (en) 2000-10-12 2001-10-10 System and method for supervising account management operations

Country Status (3)

Country Link
US (1) US7580890B2 (en)
AU (1) AU2002211552A1 (en)
WO (1) WO2002031622A2 (en)

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