92 results about "Arrears" patented technology

A method of increasing the collection of debts owed a government agency by collecting additional names associated with a debtor, verifying that an additional name represents the same person as the debtor, and providing those additional names to the government agency that is owed by the debtor. After the additional names are added, future payments to the debtor can be offset by the amount owed.

The invention provides a renting system based on an Internet of Things intelligent door lock. The system is characterized in that the system comprises an identity information input terminal which is used for inputting user identity information, namely user characteristic information, to complete user registration, the Internet of Things intelligent door lock which is used for issuing instructions and information according to the system to allow a legitimate user to enter a rental house in a specified time period, a cloud processing platform which is used for storing the user characteristic information input by the user on the identity information input terminal to authorize the Internet of Things intelligent door lock to allow the legitimate user to enter the rental house in the specified time period, and a user client which is used for supporting online house renting. Through in-depth integration with wireless and wired Internet technologies, the user of the system can quickly and conveniently perform various formalities in a house renting process, which saves time and effort. The involvement and workload of a broker of a letting agency which uses the system can be significantly reduced in leasing businesses. The labor cost and even the overall operating cost of the company are substantially reduced. According to the invention, the headache problems of a renter, such as rent arrears, unauthorized replacement or introduction of new renters, are effectively solved.

This invention discloses a credit control client, credit control server, billing systems and billing methods which includes the following steps: to get the end-user identification of the request beginning the conversation that received; Judge the whether the account on user IDs corresponded is enough, yes, use the after billing method is used for the services that request for terminal to bill; Otherwise, use the reserved manner in billing services for billing. This invention simplifies the process of service ; Reduction of unnecessary intermediate conversational request and the credit control and credit control client server interaction between information and reduce the burden of network transmission and control of credit and credit control client server workload, improve its performance and the work for efficiency, ensure the normal handling of service requests, and facilitate the operators and users; avoid the end-user account, the balance of the shortage of arrears and even malicious use of overdraft services, and bringing losses to operators.

Methods and systems for collecting payments from customers having delinquent accounts are disclosed. Under a debt recovery partnership, a debt recovery service extends an offer for a debt recovery product to a customer with a delinquent account. If the offer is accepted, the debt recovery service receives an acceptance to the offer from the customer and, thereafter, pays a commission for the delinquent account to the partner. The partner ceases attempts to collect payments on the delinquent account corresponding to the accepted offer and continues attempts to collect payments on delinquent accounts not corresponding to an accepted offer.

A method for implementing the notice of users arrears information, this method is: when the state of users arrears are changed, the center of accounting management informs location register (LR) to modify the state of users, according to the notice set the state of charging lock, meanwhile, send the state of charging lock to the system short massage, through the center of short massage send the state information to users, the implementing method of the said plan is utilize the network communication protocol, so it is low cost and easy to implement.

The invention discloses a credit control prompting method and device and relates to the technical field of credit control. The method includes the following steps: the account information of users isobtained, whether the users are credit monitoring objects or not is judged, the contrast threshold is obtained according to the overdue sum monitoring range, contrast is performed according to the preset threshold and the arrearage quota to judge whether the user are in arrearage or not, grade assessment and credit prompting are performed on the users, and the credit grade is generated according to the contrast result of the arrearage quota and the preset threshold. Through accessing an information input interface module and an information output interface module to the credit control prompting device, the credit grade assessment model database of different users is established and the preset threshold model database matching the account information of the users, different monitoring plansare adopted for different users, the user payment reminder message and the credit prompting information are transmitted to the clients through various forms and devices of the Ethernet, and the credit control prompting speed and the diversity of the mode and platform of the arrearage and credit information pushing are improved.

Embodiments of the present invention provide systems, methods, and computer program products for modifying the terms of a loan and for providing for a shared appreciation loan program. For example, in one embodiment the amount owed on an existing HELOC is split into two portions. A qualifying borrower can defer the obligation to pay interest and payments on a portion of the HELOC in exchange for sharing up to 50% of the future appreciation in the real property that serves as the underlying security for the HELOC. This mortgage plan can provide an incentive for the borrower to remain in the home since the borrower may be able to share in the appreciation of the home even if the home never appreciates beyond the full amount owed on the home, while at the same time preserving the borrower's credit rating and reducing the borrower's monthly payment. The bank may benefit from the mortgage plan by both reducing and deferring losses.

The invention relates to a vehicle electronic identity vehicle-mounted terminal which can be mounted on a vehicle, can record and store unique vehicle identity information of the vehicle in an electronic data form, simultaneously can save the vehicle identity information in a background server database through wireless remote synchronous backup and can perform data legality calibration in a timing manner. On the one hand, the vehicle identity information of the vehicle can be sent to an external device passing certification so as to realize accurate long-distance getting of the information of the vehicle; and on the other hand, after the unique identity information which can not be changed is mounted in the vehicle, the loophole of enabling lawless persons to have chances can be made up, the vehicle can be effectively prevented from being robbed and stolen, illegal activities, such as application of license plates of other persons, arrears and evasion of various stipulated fees, illegal transportation of the vehicle, illegal operation and the like can be avoided, and the terminal provided by the invention contributes to social stability and harmony.

The invention relates to a construction site construction personnel management system. The construction site construction personnel management system mainly includes a real-name authentication module,an electronic contract module, an account-to-account module and a staff archives module, wherein, the real name authentication module is used for the staff to carry out online registration account number and real name authentication, and associates the account number with the project access control; the electronic contract module is used for signing an electronic service contract with a labor service company/construction company after authentication; the account-to-account module is used for separately bookkeeping N items under the construction company (N is greater than or equal to 1), and is distributed in a tree diagram; the staff archives module is used for recording the archives information of the staff. By providing the construction site construction personnel management system to solve the construction industry building staff salary arrears, real name, accounting problems, the purpose of building staff industrialization, intelligent management, transparent payment is realized.

A method for accelerating a payment to a merchant for a healthcare related claim. The method comprises submitting a healthcare related claim for payment from the merchant to a payer; determining at the payer whether the member is eligible for services covered as a part of his or her healthcare plan. If the member is determined to be eligible for payment of claim(s) submitted, then a financial institution is notified of an estimated amount of liability for the claim. At least a portion of the estimated amount of liability for the claim is paid to the merchant by the financial institution. The financial institution thereafter receives a reimbursement/payment from a healthcare finding source for the adjudicated amount of liability for the claim. Once the claim is adjudicated, a healthcare management system reconciles with the merchant for any under or over payment.

Embodiments of the invention are directed to a system, method, or computer program product for determining an appropriate course of action for a representative working to recover payment in arrears. Embodiments may determine at least one customer preference regarding limitation of representative-customer interactions; and, based on the at least one customer preference, present assistance information to the representative before or during the representative-customer interaction, the assistance information configured to at least one of inform the representative of the at least one customer preference, present the representative with at least one proposed question for presentation to the customer, or present the representative with at least one proposed method for representative-customer interaction.

This invention discloses a shutdown method for arrear users by telecommunication enterprises, which first of all applies a method of stopping the calling function to an arrear user, namely, the user can receive normal call-in phones, yet when the user dials out, it hears the system arrear recording message, after stopping the calling function for a period of time or the account balance of the user is lowered to a threshold, the system stops its session function completely. Since the called function of a user is not shutdown, the turn-on rate of exchange will not drop at the time when the calling function of a user is shutdown, and the user hears arrear prompt to pay the money and resume the calling function.

Apparatus, methods, and computer program products are described which detail comprehensive user interfaces that provides representatives/associates, managing payment recovery work assignment queues, views of all accessible information pertaining to the customer and the accounts held or associated with the customer. The user interface further provides for the representative to filter and/or the accounts in arrears displayed in the queues within the user interfaces, so as to meet the dynamic needs of the representative as he or she manages the work assignment queues or communicates with the customer. In additional embodiments, the representative is provided the ability to save commonly utilized filters or combinations of filters for subsequent efficient management of the work assignment queues.

The embodiment of the invention discloses a transaction processing method, a server and a computer readable medium, and the method comprises the steps: obtaining a target repayment project when a repayment instruction for the target repayment project is detected, the target repayment project comprising a user identifier, a project identifier, a debt card number and a repayment amount; obtaining ato-be-selected card number bound with the user identifier; obtaining a target repayment rule corresponding to the project identifier, and determining a repayment card number of the target repayment project in the to-be-selected card numbers according to the debt card number and the target repayment rule; and sending a transfer request to the bank to which the repayment card number belongs, the transfer request comprises the repayment amount and the debt card number, the transfer request is used for requesting payment of the repayment amount from the account of the repayment card number to theaccount of the debt card number, and cross-bank repayment of the credit card can be flexibly realized on time.

The invention discloses a user identification card control method, device and system, which are used to resist the problem of high arrears caused by illegal copying of the user identification card. The control method of the user identification card includes: when determining that there is a duplicating card in the user identification card of the arrears shutdown, extracting the user identification of the user identification card and the equipment addresses of each VLR logged in; , determine the HLR to which the user identification card belongs; notify the HLR to record the equipment address of each VLR for the user identification card in the HLR, and notify the HLR to record the equipment address of the current VLR after the completion of the equipment address recording. The user identification card executes the arrears shutdown operation.

The invention is applicable to the technical field of computers, and provides a repayment method and repayment management equipment, and the repayment method comprises the steps: obtaining a debt contract checking request sent by a terminal; Based on the unique identity identifier contained in the debt contract viewing request, obtaining a debt contract associated with the unique identity identifier, and returning the debt contract to the terminal; When a repayment request sent by the terminal based on the target debt contract selected by the user is detected, generating a repayment order based on contract information of the target debt contract, and returning the repayment order to the terminal; And when it is detected that the terminal completes repayment based on the repayment order, obtaining a payment record generated based on the repayment order. According to the scheme, the user can select the repayment contract for repayment through the official account, the safety of repaymentfunds can be ensured, the repayment operation steps are reduced, and the repayment efficiency can be improved.

Embodiments of the invention are directed to apparatus, methods, and computer program products for determining a lead account from amongst one or more financial accounts associated with a customer that are currently in arrears. Once the lead account has been determined a lead account indicator is provided within user interfaces of a unified account payment recovery system application in conjunction with information pertaining to the account. In this regard the representative using the application as a tool to assist in contacting, or being contacted by, customers can readily identify which of the accounts in arrears associated with the customer should be the initial account which the representative attempts to recover payment from.

Embodiments of the invention are directed to apparatus, methods, and computer program products for determining which segment of the enterprise financial institution to assign to payment recovery for accounts in arrears. The segment determination process applies financial institution account metrics and customer attributes to the requisite business rules to determine which segment to assign for financial account payment recovery so as to maximize profitability. In additional embodiments, work assignment queues and/or payment recovery communication channels may be determined for the accounts in arrears based on applying customer attributes and/or financial account metrics to business rules. In still further embodiments of the invention, a next-allowable-date for contacting the customer regarding an account in arrears is determined based on applying collection history data to payment recovery velocity rules which define the criteria for contacting a customer and the frequency at which a customer can be contacted.

Embodiments of the invention are directed to apparatus, methods, and computer program products for tracking user actions within a user interface for managing recovery of payment from financial accounts. Embodiments provide for creating a globally unique identifier (GUI) for each session that a user opens within the user interface and for each financial account opened during the session. In turn, the GUIs may be associated with all systems of record within the payment recovery system. Comprehensive tracking data may be used to gauge user/associate performance, productivity, security and better manage resources.