公开(公告)号：US20150324902A1

公开(公告)日：2015-11-12

申请号：US14270410

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Valon Mitchell Cross ,  Brian Dunne ,  Linda Ann Eddy

IPC: G06Q40/02

CPC classification number: G06Q40/02

Abstract: A system includes a memory operable to store user data and a processor communicatively coupled to the memory. The processor is operable to identify a first user, access user data associated with the first user, and determine whether to provide a first alert to the first user. The processor selects a first alert format and a first alert type according to the user data associated with the first user. The processor communicates the first alert to the first user in accordance with the selected first alert format and first alert type. The processor identifies a second user, accesses user data associated with the second user, and determines whether to provide a second alert to the second user. The processor selects a second alert format and a second alert type and communicates the second alert to the second user in accordance with the selected second alert format and second alert type.

Abstract translation: 系统包括可操作以存储用户数据的存储器和通信地耦合到存储器的处理器。 处理器可操作以识别第一用户，访问与第一用户相关联的用户数据，并且确定是否向第一用户提供第一警报。 处理器根据与第一用户相关联的用户数据选择第一警报格式和第一警报类型。 处理器根据所选择的第一警报格式和第一警报类型向第一用户传送第一警报。 处理器识别第二用户，访问与第二用户相关联的用户数据，并且确定是否向第二用户提供第二警报。 处理器选择第二警报格式和第二警报类型，并且根据所选择的第二警报格式和第二警报类型将第二警报传达给第二用户。

公开(公告)号：US20150324907A1

公开(公告)日：2015-11-12

申请号：US14270447

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Valon Mitchell Cross ,  Brian Dunne ,  Linda Ann Eddy

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q40/025

Abstract: In some embodiments, a system receives information about a first loan and information about a second loan. The system calculates a user risk score based on a user payment history, a first loan priority score, and a second loan priority score. The system generates a single loan payment plan for the first loan and the second loan using the first loan priority score, the second loan priority score, and the user risk score. The system receives a payment associated with the single loan payment plan. The processor subdivides the payment into a first loan payment and a second loan payment using the first loan priority score and the second loan priority score. The system transfers the first loan payment to the first line of business and the second loan payment to the second line of business.

Abstract translation: 在一些实施例中，系统接收关于第一贷款的信息和关于第二贷款的信息。 该系统基于用户支付历史，第一贷款优先级得分和第二贷款优先级得分来计算用户风险分数。 该系统使用第一笔贷款优先分数，第二笔贷款优先分数和用户风险分数，为第一笔贷款和第二笔贷款生成单笔贷款支付计划。 系统收到与单笔贷款支付计划相关的付款。 处理器使用第一贷款优先级分数和第二贷款优先级分数将支付分为第一贷款支付和第二贷款支付。 系统将第一笔贷款支付给第一线业务，第二笔贷款支付给第二线业务。

公开(公告)号：US20150324906A1

公开(公告)日：2015-11-12

申请号：US14270418

申请日：2014-05-06

Applicant: Bank of America Corporation

Inventor： Anna Vladimirovna Starikova ,  Valon Mitchell Cross ,  Linda Ann Eddy ,  Brian Dunne

IPC: G06Q40/02

CPC classification number: G06Q40/02 ,  G06Q40/025

Abstract: In some embodiments, a system receives a notice indicating a loan past due associated with a user. The system calculates a user risk score associated with the user with the user risk score based on a user payment history. The system determines a plurality of repayment plans for the user using the calculated user risk score, and calculates a repayment plan value score for each repayment plan. The system orders each repayment plan according to the repayment plan value score, and generates a repayment plan queue of the plurality of the ordered repayment plans. The system communicates a first repayment plan in the repayment plan queue to the user.

Abstract translation: 在一些实施例中，系统接收指示与用户相关联的过期的通知。 该系统基于用户支付历史计算用户风险分数与用户相关联的用户风险评分。 系统使用计算出的用户风险分数确定用户的多个还款计划，并计算每个还款计划的还款计划值分数。 系统根据还款计划的价值分数对每个还款计划进行订单，并生成多个订单还款计划的还款计划队列。 系统将还款计划队列中的第一个还款计划传达给用户。