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公开(公告)号：US20100100476A1
公开(公告)日：2010-04-22
申请号：US12255000
申请日：2008-10-21
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译： 提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中获得资金以抵消违约债务的偏移行动中收集的金额。 在操作中，本发明的实施例利用存款帐户的交易历史来检测账户的存款模式，并且基于检测到的模式，将下一笔大额存款的日期预测到可装修账户。 然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。
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公开(公告)号：US20100299250A1
公开(公告)日：2010-11-25
申请号：US12847349
申请日：2010-07-30
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
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公开(公告)号：US08645245B2
公开(公告)日：2014-02-04
申请号：US12847349
申请日：2010-07-30
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/00
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译： 提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中提取资金以抵消逾期债务的抵消行动中收集的金额。 在操作中，本发明的实施例利用存款帐户的交易历史来检测帐户的存款模式，并且基于检测到的模式来预测下一笔大额存款到可附加账户的日期。 然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。
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公开(公告)号：US07792727B2
公开(公告)日：2010-09-07
申请号：US12255000
申请日：2008-10-21
申请人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
发明人： Debashis Ghosh , Yanghong Shao , David Joa , Kurt Newman , Sudeshna Banerjee , Thayer Allison , Arun Pinto , Preston Wesley Ports, III , Mark Krein
IPC分类号： G06Q40/10
摘要： Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.
摘要翻译： 提供了系统，方法和计算机程序产品，用于优化在债权人从债务人的存款帐户中获得资金以抵消违约债务的偏移行动中收集的金额。 在操作中，本发明的实施例利用存款帐户的交易历史来检测账户的存款模式，并且基于检测到的模式，将下一笔大额存款的日期预测到可装修账户。 然后，使用本发明的偏移关联人可以在下一次大量存款的预期日期安排偏移动作。
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