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

1 Status Updates

Stats

ALSO PUBLISHED AS: 20030097329
See full text
ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

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.

Loading the Abstract Image... loading....

First Claim

See full text

all claims..

Related Publications

Loading Related Publications... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
GENERAL ELECTRIC CAPITAL CORPORATIONCHICAGO, IL475

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bell, Ian R Peebles, GB 4 58
Fogarty, David J Riverside, CT 5 119
Karim, Maria Abdul Singapore, SG 1 32
Nabe, Oumar New York, NY 13 460
Valtchanov, Rossen G Leeds, GB 2 38

Cited Art Landscape

Patent Info (Count) # Cites Year
 
CITIBANK, N.A. (4)
5,966,695 Sales and marketing support system using a graphical query prospect database 353 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 263 1996
5,930,764 Sales and marketing support system using a customer information database 407 1996
6,226,623 Global financial services integration system and process 373 1998
 
EGGHEAD.COM, INC. (2)
5,835,896 Method and system for processing and transmitting electronic auction information 834 1996
6,243,691 Method and system for processing and transmitting electronic auction information 346 1996
 
SAS INSTITUTE INC. (2)
5,956,693 Computer system for merchant communication to customers 276 1996
6,073,112 Computer system for merchant communication to customers 109 1999
 
STRATEGYN HOLDINGS, LLC (2)
5,963,910 Computer based process for strategy evaluation and optimization based on customer desired outcomes and predictive metrics 123 1996
6,115,691 Computer based process for strategy evaluation and optimization based on customer desired outcomes and predictive metrics 89 1999
 
AUCTNYC 1 LLC (1)
5,699,527 Method and system for processing loan 227 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 161 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 547 1994
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
6,078,892 Method for customer lead selection and optimization 145 1998
 
Omega Software Technologies, Inc. (1)
6,061,506 Adaptive strategy-based system 52 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 120 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 303 1997

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (18)
7,860,789 Multiple account advanced payment card and method of routing card transactions 10 2002
7,801,816 System and method for currency selectable stored value instrument 1 2003
7,676,425 Method and system for providing flexible financing 19 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 1 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 3 2005
8,020,754 System and method for funding a collective account by use of an electronic tag 3 2007
7,890,422 Multiple account advanced payment card and method of routing card transactions 14 2008
8,554,652 System and method for providing borrowing schemes 0 2009
8,078,528 System and method for providing borrowing schemes 10 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 0 2011
8,538,876 System and method for providing borrowing schemes 0 2012
 
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
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (1)
8,478,709 Evaluation of client status for likelihood of churn 0 2010
 
Other [Check patent profile for assignment information] (1)
8,706,625 System and method for providing borrowing schemes 0 2013

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