WO2003048889A3 - Improved dept collection practices - Google Patents

Improved dept collection practices Download PDF

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Publication number
WO2003048889A3
WO2003048889A3 PCT/US2002/035452 US0235452W WO03048889A3 WO 2003048889 A3 WO2003048889 A3 WO 2003048889A3 US 0235452 W US0235452 W US 0235452W WO 03048889 A3 WO03048889 A3 WO 03048889A3
Authority
WO
WIPO (PCT)
Prior art keywords
debtor
offer
debt
debtors
debt collection
Prior art date
Application number
PCT/US2002/035452
Other languages
French (fr)
Other versions
WO2003048889A2 (en
Inventor
Michael B Elliott
Patrick G O'neill
Jorge Nocedal
Robert Fourer
Original Assignee
Accenture Llp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Accenture Llp filed Critical Accenture Llp
Priority to AU2002348175A priority Critical patent/AU2002348175A1/en
Priority to EP02784397A priority patent/EP1442409A4/en
Priority to CA002464909A priority patent/CA2464909A1/en
Publication of WO2003048889A2 publication Critical patent/WO2003048889A2/en
Publication of WO2003048889A3 publication Critical patent/WO2003048889A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Abstract

A method of optimizing debt collection attitudinally classifies debtors into one of several attitudinal segments. The approach uses an assement of current attitudes rather than past behaviors as to predict future behavior. Each segment can be addressed with an offer, which is a combination of attributes which together, have an expected, measurable, and predictable response from the debtor. Debt collection requires the expenditure of resources, at least one of which the availability of a relatively small number of debt collectors. The offers that can be extended to debtors are identified on a debtor-by-debtor, offer-by-offer basis to identify the best offer to propose to each debtor by the limited number of debt collectors in order to maximize the economic return from all debtors. Figure 6 (600) depicts the steps (608, 610, 612) of a method of assigning a debt collection task to a particular debt collection resource or group resources.
PCT/US2002/035452 2001-11-05 2002-11-05 Improved dept collection practices WO2003048889A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
AU2002348175A AU2002348175A1 (en) 2001-11-05 2002-11-05 Improved dept collection practices
EP02784397A EP1442409A4 (en) 2001-11-05 2002-11-05 Improved dept collection practices
CA002464909A CA2464909A1 (en) 2001-11-05 2002-11-05 Improved dept collection practices

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/011,523 2001-11-05
US10/011,523 US7403923B2 (en) 2001-10-12 2001-11-05 Debt collection practices

Publications (2)

Publication Number Publication Date
WO2003048889A2 WO2003048889A2 (en) 2003-06-12
WO2003048889A3 true WO2003048889A3 (en) 2003-09-12

Family

ID=21750749

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/035452 WO2003048889A2 (en) 2001-11-05 2002-11-05 Improved dept collection practices

Country Status (5)

Country Link
US (1) US7403923B2 (en)
EP (1) EP1442409A4 (en)
AU (1) AU2002348175A1 (en)
CA (1) CA2464909A1 (en)
WO (1) WO2003048889A2 (en)

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Also Published As

Publication number Publication date
EP1442409A4 (en) 2009-01-14
CA2464909A1 (en) 2003-06-12
US7403923B2 (en) 2008-07-22
EP1442409A2 (en) 2004-08-04
AU2002348175A1 (en) 2003-06-17
WO2003048889A2 (en) 2003-06-12
US20030078881A1 (en) 2003-04-24
AU2002348175A8 (en) 2003-06-17

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