Patent ID: 7818231
Filing Date: 2010-10-19
Classification: G06Q

Abstract:
1. A computer-implemented method to enable a government referring agency to increase collections of debts owed to the government referring agency by a debtor, the method comprising the steps of: a. obtaining an input file from the government referring agency in any electronic or paper file format, the input file comprising one or more debtor records, each debtor record comprising a first name, last name, address, and taxpayer identification number of the debtor, each debtor record having been created by the government referring agency when a payment due to a debtor from a payer agency such as the U.S. Treasury is not matched to a debtor record because the debtor's last name on the government referring agency debtor record and from the payer agency do not match; b. loading the input file into a database and assigning a unique identification number to each debtor record to ensure that multiple alias last names associated with the same debtor record are all maintained under one identifier, where an alias last name is a different last name or a last name variation used by the government referring agency's debtor; c. sending the debtor records to multiple sources of public and proprietary data through secure transmission protocols and obtaining from the multiple sources specific data elements for each debtor record, wherein the specific data elements include a match to the debtor taxpayer identification number and the associated last and first names and addresses, and where public records are those records available publicly and freely and whereas proprietary records are those which are controlled by privacy rules and require specific allowable purpose to access such records on individuals usually only available to creditors and government referring agencies; d. downloading the specific data elements returned by the public and proprietary data sources to the database using the secure transmission protocols and appending the specific data elements to the assigned unique number of each debtor record; e. comparing the information contained in the debtor records with the specific data elements in the public and proprietary data to create a list of matched debtor last name records, and creating a confidence score for each matched debtor last name record based on a user's predetermined criteria; f. generating from the confidence score for each matched debtor record a list of potential alias last names that have been used by a debtor; and g. creating an output file, converting the unique identification number for the debtor record back to the referring agency taxpayer identification number, the output file comprising the potential aliases for certain debtors, and transmitting the output file to the referring agency through secure transmission protocols to enable the referring agency to offset debts owed by a debtor against any payments owed to the debtor.