Patent ID: 7702575

Claim:
A system to process data related to an obligation of a customer of a financial institution and to facilitate collection and recovery efforts associated with said obligation, wherein said obligation data includes at least real estate loan related data, said system comprising: a decision engine configured to receive obligation data from at least one data system related to said obligation, wherein said at least one data system is maintained by an entity having a third party relationship with respect to said financial institution, wherein said at least one data system includes a real estate loan accounting system, wherein said at least one data system employs a data format incompatible with respect to a data format employed by at least another data system that provides data to said decision engine, said decision engine further configured to identify at least a delinquent situation associated with said data; a collections system operatively associated with said decision engine, said collections system configured to receive and manage said obligation data; an application server operatively associated with said collections system, said application server configured to receive said obligation data from said collections system, wherein said application server includes at least one workflow data store configured to store workflow data; a desktop access device configured to display at least one graphical user interface to an agent of said financial institution, said graphical user interface including at least a portion of said obligation data; at least one pre-processor operatively associated with said at least one data system; at least one data store operatively associated with said at least one pre-processor; an inbound call system operatively associated with said decision engine, wherein said inbound call system includes an interactive voice response unit; at least one outbound dialer operatively associated with said decision engine, wherein said outbound dialer is associated with at least one database and the at least one database is used for inbound calls when the at least one outbound dialer operates in a blended mode; at least one recovery management system operatively associated with said collections system; at least one support application operatively associated with said application server; a global party system index configured to aggregate said obligation data of said customer; and an interface between said global party system index and said decision engine.