Patent ID: 7546262
Filing Date: 2009-06-09
Classification: G06Q

Abstract:
1. A method of determining a debt collection treatment for a customer on a delinquent account, the method comprising: establishing, in storage associated with a processing platform, a plurality of clusters within a multi-dimensional space for modeling debtor behavior using representative portfolio data, wherein each cluster from among the plurality of clusters substantially corresponds to a debtor characteristic; calculating, using the processing platform, result probabilities for various stimuli based on historical data for the customer; calculating, using the processing platform, difference scores from the result probabilities, each difference score indicative of a difference in result flowing from the presence and absence of each of the various stimuli; assigning, in the processing platform, using the difference scores, the delinquent account to the cluster based on probability as determined by geometric distance to a centroid of the cluster to indicate the debt collection treatment; and sending a recommendation of the debt collection treatment via a network.