发明名称 |
Method and system for debt collection optimization |
摘要 |
The present invention employs data processing systems to handle debt collection by formulation the collections process as a Markov Decision Process with constrained resources, thus making it possible automatically to generate an optimal collections policy with respect to maximizing long-term expected return throughout the course of a collections process, subject to constraints on the available resources possibly in multiple organizations. This is accomplished by coupling data modeling and resource optimization within the constrained Markov Decision Process formulation and generating optimized rules based on constrained reinforcement learning process comprising applied on the basis of past historical data. |
申请公布号 |
US7519553(B2) |
申请公布日期 |
2009.04.14 |
申请号 |
US20070743293 |
申请日期 |
2007.05.02 |
申请人 |
INTERNATIONAL BUSINESS MACHINES CORPORATION |
发明人 |
ABE NAOKI;BENNETT JAMES J.;JENSEN DAVID L.;LAWRENCE RICHARD D.;MELVILLE PREM;PEDNAULT EDWIN PETER DAWSON;PENDUS CEZAR;REDDY CHANDAN KARREM;THOMAS VINCENT PHILIP |
分类号 |
G06Q40/00 |
主分类号 |
G06Q40/00 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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