公开(公告)号：US08473391B2

公开(公告)日：2013-06-25

申请号：US12731888

申请日：2010-03-25

申请人： William C. Erbey ,  Ronald M. Faris ,  Ashish Pandey ,  Amanjeet Saluja ,  Deepak Dhayanithy ,  Saurav Chawla ,  Seth Carter

发明人： William C. Erbey ,  Ronald M. Faris ,  Ashish Pandey ,  Amanjeet Saluja ,  Deepak Dhayanithy ,  Saurav Chawla ,  Seth Carter

IPC分类号： G06Q40/00 ,  G06Q40/02

CPC分类号： G06Q40/025 ,  G06Q10/04 ,  G06Q10/06398 ,  G06Q20/102 ,  G06Q40/00 ,  G06Q40/02 ,  G08B25/08

摘要： Methods and systems are provided for an integrated approach to collections cycle optimization including optimizing personnel, communications, and collection resolutions, resulting in reducing the variability of the collections cycle, reducing instances of foreclosure in collections, while increasing borrower satisfaction with the collections process. Candidate loan officers are selected based on behavioral attributes, personnel history, and human resources information, among other factors. Scripts that improve the effectiveness of communication between loan collection staff and borrowers are generated. An optimized collection program to best suit the needs of a particular borrower is determined.

摘要翻译： 提供了方法和系统，用于收集循环优化的综合方法，包括优化人员，通信和收集决议，从而减少收集周期的变异性，减少收藏中止赎权的实例，同时增加借款人对收集过程的满意度。 根据行为属性，人员历史，人力资源信息等选择候选贷款人员。 产生了提高贷款人员和借款人之间沟通有效性的脚本。 确定最适合特定借款人需求的优化收集程序。

公开(公告)号：US20110060671A1

公开(公告)日：2011-03-10

申请号：US12731888

申请日：2010-03-25

申请人： William C. ERBEY ,  Ronald M. Faris ,  Ashish Pandey ,  Amanjeet Saluja ,  Deepak Dhayanithy ,  Saurav Chawla ,  Seth Carter

发明人： William C. ERBEY ,  Ronald M. Faris ,  Ashish Pandey ,  Amanjeet Saluja ,  Deepak Dhayanithy ,  Saurav Chawla ,  Seth Carter

IPC分类号： G06Q40/00 ,  G06Q10/00

CPC分类号： G06Q40/025 ,  G06Q10/04 ,  G06Q10/06398 ,  G06Q20/102 ,  G06Q40/00 ,  G06Q40/02 ,  G08B25/08

摘要： Methods and systems are provided for an integrated approach to collections cycle optimization including optimizing personnel, communications, and collection resolutions, resulting in reducing the variability of the collections cycle, reducing instances of foreclosure in collections, while increasing borrower satisfaction with the collections process. Candidate loan officers are selected based on behavioral attributes, personnel history, and human resources information, among other factors. Scripts that improve the effectiveness of communication between loan collection staff and borrowers are generated. An optimized collection program to best suit the needs of a particular borrower is determined.

摘要翻译： 提供了方法和系统，用于收集循环优化的综合方法，包括优化人员，通信和收集决议，从而减少收集周期的变异性，减少收藏中止赎权的实例，同时增加借款人对收集过程的满意度。 根据行为属性，人员历史，人力资源信息等选择候选贷款人员。 产生了提高贷款人员和借款人之间沟通有效性的脚本。 确定最适合特定借款人需求的优化收集程序。