US Patent No: 7,392,221

Number of patents in Portfolio can not be more than 2000

Methods and systems for identifying early terminating loan customers

ALSO PUBLISHED AS: 20030097329

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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
GENERAL ELECTRIC CAPITAL CORPORATIONCHICAGO, IL471

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bell, Ian R Peebles, GB 4 65
Fogarty, David J Riverside, CT 5 136
Karim, Maria Abdul Singapore, SG 1 37
Nabe, Oumar New York, NY 13 525
Valtchanov, Rossen G Leeds, GB 2 46

Cited Art Landscape

Patent Info (Count) # Cites Year
 
CITIBANK, N.A. (4)
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6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 283 1996
5,930,764 Sales and marketing support system using a customer information database 432 1996
6,226,623 Global financial services integration system and process 393 1998
 
EGGHEAD.COM, INC. (2)
5,835,896 Method and system for processing and transmitting electronic auction information 884 1996
6,243,691 Method and system for processing and transmitting electronic auction information 381 1996
 
SAS INSTITUTE INC. (2)
5,956,693 Computer system for merchant communication to customers 295 1996
6,073,112 Computer system for merchant communication to customers 120 1999
 
STRATEGYN HOLDINGS, LLC (2)
5,963,910 Computer based process for strategy evaluation and optimization based on customer desired outcomes and predictive metrics 129 1996
6,115,691 Computer based process for strategy evaluation and optimization based on customer desired outcomes and predictive metrics 92 1999
 
AUCTNYC 1 LLC (1)
5,699,527 Method and system for processing loan 240 1995
 
CASIO COMPUTER CO., LTD. (1)
6,029,068 Database system, data management system and communication terminal 15 1997
 
FUJITSU LIMITED (1)
5,962,829 Customer management terminal equipment, customer managing method, and media for customer management 22 1996
 
HARRAH'S OPERATING COMPANY, INC. (1)
6,183,362 National customer recognition system and method 179 1998
 
HOME ACCOUNT NETWORK, INC. (1)
5,644,727 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing 590 1994
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
6,078,892 Method for customer lead selection and optimization 160 1998
 
Omega Software Technologies, Inc. (1)
6,061,506 Adaptive strategy-based system 57 1995
 
REVCHAIN SOLUTIONS, LLC (1)
6,182,054 Dynamically configurable and extensible rating engine 29 1998
 
RTH CORPORATION (1)
6,185,543 Method and apparatus for determining loan prepayment scores 138 1998
 
Other [Check patent profile for assignment information] (1)
6,012,045 Computer-based electronic bid, auction and sale system, and a system to teach new/non-registered customers how bidding, auction purchasing works 318 1997

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (22)
7,860,789 Multiple account advanced payment card and method of routing card transactions 12 2002
7,801,816 System and method for currency selectable stored value instrument 2 2003
8,751,391 System and process for performing purchase transactions using tokens 0 2003
7,676,425 Method and system for providing flexible financing 24 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 2 2003
7,809,595 System and method for managing risks associated with outside service providers 6 2003
7,801,799 Customer activated multi-value (CAM) card 5 2005
8,020,754 System and method for funding a collective account by use of an electronic tag 4 2007
7,890,422 Multiple account advanced payment card and method of routing card transactions 15 2008
8,725,611 System and method for providing borrowing schemes 0 2009
8,554,652 System and method for providing borrowing schemes 0 2009
8,078,528 System and method for providing borrowing schemes 12 2009
8,190,522 System and method for providing borrowing schemes 1 2009
8,447,670 Universal payment protection 1 2009
8,095,459 Method and system for providing flexible financing 1 2010
8,145,549 System and method for offering risk-based interest rates in a credit instutment 2 2010
8,473,395 Universal payment protection 1 2011
8,447,672 Universal payment protection 1 2011
8,515,868 Multiple account advanced payment card and method of routing card transactions 1 2011
8,538,876 System and method for providing borrowing schemes 0 2012
8,706,625 System and method for providing borrowing schemes 0 2013
8,751,383 Multiple account advanced payment card and method of routing card transactions 0 2013
 
AUTOALERT, LLC (5)
7,827,099 System and method for assessing and managing financial transactions 7 2004
8,005,752 System and method for assessing and managing financial transactions 2 2010
8,095,461 System and method for assessing and managing financial transactions 2 2011
8,086,529 System and method for assessing and managing financial transactions 2 2011
8,396,791 System and method for assessing and managing financial transactions 0 2011
 
CATALINA MARKETING CORPORATION (2)
8,005,753 Targeted incentives based upon predicted behavior 1 2009
8,650,065 Assumed demographics, predicted behavior, and targeted incentives 0 2010
 
REYNOLDS AND REYNOLDS COMPANY, THE (2)
8,527,349 Methods, apparatus and computer program products for targeted and customized marketing of vehicle customers 0 2011
8,355,950 Generating customer-specific vehicle proposals for vehicle service customers 0 2012
 
DEALERCENTRIC SOLUTIONS, INC. (1)
8,392,294 Computer implemented finance management routing system 1 2006
 
EXPERIAN INFORMATION SOLUTIONS, INC. (1)
8,626,646 System and method for generating a finance attribute from tradeline data 0 2012
 
FANNIE MAE (1)
8,433,631 Method and system for assessing loan credit risk and performance 0 2011
 
FIRST USA MANAGEMENT SERVICES, INC. (1)
8,793,160 System and method for processing transactions 0 2003
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
8,478,709 Evaluation of client status for likelihood of churn 0 2010
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (1)
8,751,351 Systems and methods for providing a marketplace of goods subject to distressed financial obligations 0 2009

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Dec 24, 2015
11.5 Year Payment $7400.00 $3700.00 $1850.00 Dec 24, 2019
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00