{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11521214","patent":{"patent_number":"US-11521214","title":"Artificial intelligence payment timing models","assignee":null,"inventors":[],"filing_date":"2020-10-08T00:00:00.000Z","publication_date":"2022-12-06T00:00:00.000Z","cpc_codes":["G06Q","G06N","G06Q","G06Q","H04M","G06N","G06N","G06N","H04M","H04M"],"num_claims":14,"abstract":"Disclosed in some examples, are methods, systems, and machine-readable mediums which build and utilize an artificial intelligence model to predict debtor payment timing. The past debtor payment history and other debtor information may be for a plurality of accounts over a past time period. Once the model is created, it may be used when a debtor misses a payment to determine a prediction of when the debtor will pay. The model uses characteristics of past debtors and their payment dates to predict, based upon the characteristics of the late debtor, when the late debtor will make a payment. The predicted timing may include a predicted probability for whether the payment will be made within the predicted timing. The predicted timing may be a specific date, or a window (e.g., a three-day window)."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Artificial intelligence payment timing models","description":"Disclosed in some examples, are methods, systems, and machine-readable mediums which build and utilize an artificial intelligence model to predict debtor payment timing. The past debtor payment histor","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11521214","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11521214","citation_suggestion":"Patentable. \"Artificial intelligence payment timing models\" (US-11521214). https://patentable.app/patents/US-11521214","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11521214","json":"https://patentable.app/api/llm-context/US-11521214","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T19:43:44.148Z"}