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公开(公告)号：US20170017468A1
公开(公告)日：2017-01-19
申请号：US14799654
申请日：2015-07-15
Applicant: Bank of America Corporation
Inventor： Michael D. Fleischer , Tonya L. Grimes , Prasanna Jayachandran , Adam S. Jones
CPC classification number: G06F8/20 , G06F8/36 , G06Q10/0637
Abstract: A strategy-maintenance system comprises a memory, an interface, and a processor. The system is operable to store a plurality of templates. A template comprises a statement that facilitates writing one or more strategies. The system may further communicate to a first computer the plurality of templates for presentation on a first graphical user interface. The system also receives a first selection of at least one of the plurality of templates for a strategy. The strategy is operable to calculate a key value based on at least one of the plurality of templates. The system finally executes the strategy to calculate the key value and communicates the strategy for execution on a remote machine.
Abstract translation: 策略维护系统包括存储器，接口和处理器。 该系统可操作以存储多个模板。 模板包括有助于编写一个或多个策略的语句。 该系统还可以向第一计算机通信多个模板以在第一图形用户界面上呈现。 系统还接收用于策略的多个模板中的至少一个的第一选择。 该策略可操作以基于多个模板中的至少一个来计算密钥值。 系统最终执行计算密钥值的策略，并在远程机器上传送执行策略。
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2.发明授权公开(公告)号：US09088654B2
公开(公告)日：2015-07-21
申请号：US14072681
申请日：2013-11-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Michael John Blatteau, Jr. , Michael D. Fleischer , Ryan Scott Heller , Hudson Philip Hoen, IV , Sethu Iyer , Hari Madala , Andrew Sheldon , Patrick B. Smith
CPC classification number: H04M3/5158 , H04M3/5235 , H04M2203/408
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships within an entity. This representation focuses on customer products in arrears that are to be recovered. The invention requires disposition input from the system and the representative immediately after a customer communication. This way, the invention aids in providing an overarching view of all customer relationships to a representative. The automatic information regarding the communication includes the date, time of day, duration, and the like associated with the communication. The invention requires the representative to input manually a disposition from each communication, such as what was discussed during the communication. As such, the invention allows for subsequent representatives to make decision and take appropriate actions immediately based on the entire relationship, including the results of previous customer communications.
Abstract translation: 本发明的实施例涉及一种用于提供实体内的所有客户关系的统一表示的系统，方法或计算机程序产品。 此次代表重点关注将要收回的拖欠的客户产品。 本发明在客户通信之后立即需要系统和代表的处理输入。 这样，本发明有助于向代表提供所有客户关系的总体观点。 关于通信的自动信息包括与通信相关联的日期，时间，持续时间等。 本发明要求代表人工地输入来自每个通信的处置，诸如在通信期间讨论的内容。 因此，本发明允许后续代表根据整个关系（包括先前客户沟通的结果）作出决定并采取适当行动。
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Patent Agency Ranking
3.发明申请DETERMINING SEGMENTATION AND QUEUES FOR RECOVERY OF PAYMENT FROM FINANCIAL ACCOUNTS IN ARREARS 审中-公开确定收回财务会计处理费用的分期和赎回公开(公告)号：US20150127397A1
公开(公告)日：2015-05-07
申请号：US14072523
申请日：2013-11-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Hari Madala , Michael John Blatteau, JR. , Michael D. Fleischer , Hudson Philip Hoen, IV , Richard Hardin Staton
CPC classification number: G06Q40/12 , G06Q10/06311
Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for determining which segment of the enterprise financial institution to assign to payment recovery for accounts in arrears. The segment determination process applies financial institution account metrics and customer attributes to the requisite business rules to determine which segment to assign for financial account payment recovery so as to maximize profitability. In additional embodiments, work assignment queues and/or payment recovery communication channels may be determined for the accounts in arrears based on applying customer attributes and/or financial account metrics to business rules. In still further embodiments of the invention, a next-allowable-date for contacting the customer regarding an account in arrears is determined based on applying collection history data to payment recovery velocity rules which define the criteria for contacting a customer and the frequency at which a customer can be contacted.
Abstract translation: 本发明的实施例涉及用于确定企业金融机构的哪个部分分配给拖欠帐户的付款恢复的装置，方法和计算机程序产品。 分段确定过程将金融机构账户指标和客户属性应用于必要的业务规则，以确定为金融账户支付恢复分配哪个分段，以最大限度地提高盈利能力。 在另外的实施例中，可以基于将客户属性和/或财务帐户指标应用于业务规则来为拖欠的帐户确定工作分配队列和/或支付恢复通信信道。 在本发明的另外的实施例中，基于将收集历史数据应用于定义用于联系客户的标准的支付恢复速度规则和与客户联系的频率来确定用于联系客户关于拖欠帐户的下一可允许日期 客户可以联系。
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公开(公告)号：US09720651B2
公开(公告)日：2017-08-01
申请号：US14799654
申请日：2015-07-15
Applicant: Bank of America Corporation
Inventor： Michael D. Fleischer , Tonya L. Grimes , Prasanna Jayachandran , Adam S. Jones
CPC classification number: G06F8/20 , G06F8/36 , G06Q10/0637
Abstract: A strategy-maintenance system comprises a memory, an interface, and a processor. The system is operable to store a plurality of templates. A template comprises a statement that facilitates writing one or more strategies. The system may further communicate to a first computer the plurality of templates for presentation on a first graphical user interface. The system also receives a first selection of at least one of the plurality of templates for a strategy. The strategy is operable to calculate a key value based on at least one of the plurality of templates. The system finally executes the strategy to calculate the key value and communicates the strategy for execution on a remote machine.
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5.发明申请公开(公告)号：US20150124956A1
公开(公告)日：2015-05-07
申请号：US14072681
申请日：2013-11-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Michael John Blatteau, JR. , Michael D. Fleischer , Ryan Scott Heller , Hudson Philip Hoen, IV , Sethu Iyer , Hari Madala , Andrew Sheldon , Patrick B. Smith
CPC classification number: H04M3/5158 , H04M3/5235 , H04M2203/408
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships within an entity. This representation focuses on customer products in arrears that are to be recovered. The invention requires disposition input from the system and the representative immediately after a customer communication. This way, the invention aids in providing an overarching view of all customer relationships to a representative. The automatic information regarding the communication includes the date, time of day, duration, and the like associated with the communication. The invention requires the representative to input manually a disposition from each communication, such as what was discussed during the communication. As such, the invention allows for subsequent representatives to make decision and take appropriate actions immediately based on the entire relationship, including the results of previous customer communications.
Abstract translation: 本发明的实施例涉及一种用于提供实体内的所有客户关系的统一表示的系统，方法或计算机程序产品。 此次代表重点关注将要收回的拖欠的客户产品。 本发明在客户通信之后立即需要系统和代表的处理输入。 这样，本发明有助于向代表提供所有客户关系的总体观点。 关于通信的自动信息包括与通信相关联的日期，时间，持续时间等。 本发明要求代表人工地输入来自每个通信的处置，诸如在通信期间讨论的内容。 因此，本发明允许后续代表根据整个关系（包括先前客户沟通的结果）作出决定并采取适当行动。
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公开(公告)号：US20150127560A1
公开(公告)日：2015-05-07
申请号：US14072283
申请日：2013-11-05
Applicant: BANK OF AMERICA CORPORATION
Inventor： Richard Hardin Staton , Jason N. Alexandrian , Corina Nicole Bacon , Michael John Blatteau, JR. , David John Butler , Chung-Di Chou , David W. Crowe , Brian J. Dunne , Michael D. Fleischer , Robert A. Fox , Jason Paul Gardner , John J. Gately , Oleg Gerasimovich , David Luke Hallam , Ryan Scott Heller , Hudson Philip Hoen, IV , Abigail W. Howard , Sethu Iyer , Jessica Long , Hari Madala , Vincent Maximo , Mohit Mehta , Hung Quang Pham , Danielle Renee Reiser , Andera Schmittgen , Garith W. Seelig , Patrick W. Schaffer, JR. , Andrew Sheldon , Patrick B. Smith , Thomas Snyder , Feng Tang , Veera Venkata Vattikuti , David lee Warnick , Bridget K. Williams
CPC classification number: G06Q20/02 , G06Q40/025 , G06Q50/182
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships with an entity. This representation focuses on customer products in arrears that are to be recovered. The invention presents an overarching view of all customer relationships to a representative. This allows the representative to make decision and take appropriate actions immediately based on the entire relationship with the customer when a customer communication is initiated. As such, the invention correlates all of the customer's relationships with a financial institution into one unified representation for a representative to review. The unified representation takes into consideration all of the customer's relationships as well as external factors on the communications and relationships. Thus providing a holistic customer service experience for a customer with accounts in arrears.
Abstract translation: 本发明的实施例涉及用于提供与实体的所有客户关系的统一表示的系统，方法或计算机程序产品。 此次代表重点关注将要收回的拖欠的客户产品。 本发明概述了与代表的所有客户关系。 这允许代表在客户通信开始时根据与客户的整体关系立即作出决定并采取适当的行动。 因此，本发明将所有客户与金融机构的关系与代表审查的一个统一代表相关联。 统一的代表考虑了所有客户的关系以及沟通和关系的外部因素。 因此，为具有欠款帐户的客户提供整体的客户服务体验。
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7.发明授权公开(公告)号：US08971516B1
公开(公告)日：2015-03-03
申请号：US14072663
申请日：2013-11-05
Applicant: Bank of America Corporation
Inventor： Michael John Blatteau, Jr. , Michael D. Fleischer , Ryan Scott Heller , Hudson Philip Hoen, IV , Sethu Iyer , Hari Madala , Patrick B. Smith
CPC classification number: H04M3/5133 , H04M3/51 , H04M2203/408
Abstract: Embodiments of the invention are directed to a system, method, or computer program product for providing a unified representation of all customer relationships with an entity. This representation focuses on customer products in arrears that are to be recovered. The invention presents automatic communication history tracking to aid in providing an overarching view of all customer relationships to a representative. This automatic communication history tracking monitors all communications, manual or automatic, incoming or outgoing. The tracking monitors the date, time, disposition, and the like of all customer communications. As such, the invention allows the representative to make decision and take appropriate actions immediately based on the entire relationship, including customer communication history. The invention takes this information and incorporates it with all of the customer's relationships and external factors to provide a holistic customer service experience for a customer with accounts in arrears.
Abstract translation: 本发明的实施例涉及用于提供与实体的所有客户关系的统一表示的系统，方法或计算机程序产品。 此次代表重点关注将要收回的拖欠的客户产品。 本发明提供自动通信历史跟踪以帮助向代表提供所有客户关系的总体视图。 这种自动通信历史跟踪监视所有通信，手动或自动，传入或传出。 跟踪监视所有客户通信的日期，时间，处置等。 因此，本发明允许代表基于整个关系（包括客户沟通历史）立即作出决定并采取适当的行动。 本发明将此信息与所有客户的关系和外部因素相结合，为拖欠帐户的客户提供整体的客户服务体验。
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