Methods and systems for identifying early terminating loan customers

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7392221
APP PUB NO 20030097329A1
SERIAL NO

09827721

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Methods and systems for identifying and retaining customers who are likely to terminate an existing loan contract at a date earlier than the loan termination date identified in the loan contract are disclosed. The method includes the steps of using an early termination model to identify customers likely to terminate an existing loan contract at a date earlier than the loan termination date identified in the loan contract, notifying those customers of new loan opportunities at competitive loan interest rates and attempting to cross sell new loans to the customers before the customer early terminates their existing loan.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
GE CAPITAL US HOLDINGS, INC.NORWALK, CT37
GENERAL ELECTRIC CAPITAL CORPORATIONCHICAGO, IL218

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bell, Ian R Peebles, GB 2 106
Fogarty, David J Riverside, CT 3 189
Karim, Maria Abdul Singapore, SG 1 42
Nabe, Oumar New York, NY 9 723
Valtchanov, Rossen G Leeds, GB 1 55

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (1)
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INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
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CITIBANK, N.A. (4)
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RTH CORPORATION (1)
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FUJITSU LIMITED (1)
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REVCHAIN SOLUTIONS, LLC (1)
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* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (3)
* 2006/0069,640 System and method for providing loan consolidation 6 2005
* 2008/0065,395 Intelligent marketing system and method 4 2006
* 2012/0084,196 Process and System for Producing Default and Prepayment Risk Indices 1 2010
 
AUTOALERT, LLC (7)
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8005752 System and method for assessing and managing financial transactions 3 2010
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* 2011/0173,111 SYSTEM AND METHOD FOR ASSESSING AND MANAGING FINANCIAL TRANSACTIONS 7 2011
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SAP AG (1)
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CATALINA MARKETING CORPORATION (4)
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EXPERIAN INFORMATION SOLUTIONS, INC. (7)
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JPMORGAN CHASE BANK, AS ADMINISTRATIVE AGENT (21)
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FIRST USA MANAGEMENT SERVICES, INC. (1)
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JP MORGAN CHASE BANK (1)
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UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (1)
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FANNIE MAE (1)
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REYNOLDS AND REYNOLDS COMPANY, THE (2)
8527349 Methods, apparatus and computer program products for targeted and customized marketing of vehicle customers 1 2011
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MASTERCARD INTERNATIONAL INCORPORATED (1)
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* Cited By Examiner

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