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

IPC: G06Q20/02 ,  G06Q50/18

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。