{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-12002091","patent":{"patent_number":"US-12002091","title":"Technology system for assisting financial institutions in debt collection","assignee":null,"inventors":[],"filing_date":"2022-04-13T00:00:00.000Z","publication_date":"2024-06-04T00:00:00.000Z","cpc_codes":["G06Q","G06F","G06F","G06N","G06N","G06Q","G06N","G06N","G06N","G06N"],"num_claims":20,"abstract":"According to an aspect, a technology system maintains an account data specifying the details of multiple accounts including a specific set of accounts as being delinquent. Upon receiving a feature set to be used, the system clusters the multiple accounts into groups based on the feature set. The system generates a multi-classification model for assignment of agents to the accounts based on the group qualifiers associated with the groups and the feature set. The system then identifies a target group likely to present problems with debt collection, assigns, using the multi-classification model, a corresponding agent for each account of the group and determines a recommended recovery strategy for each assignment. The system provides the details of the group, the corresponding agents assigned and the recommended recovery strategy for each assignment."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Technology system for assisting financial institutions in debt collection","description":"According to an aspect, a technology system maintains an account data specifying the details of multiple accounts including a specific set of accounts as being delinquent. Upon receiving a feature set","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-12002091","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-12002091","citation_suggestion":"Patentable. \"Technology system for assisting financial institutions in debt collection\" (US-12002091). https://patentable.app/patents/US-12002091","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-12002091","json":"https://patentable.app/api/llm-context/US-12002091","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T04:24:03.022Z"}