| 摘要 |
A system and method for optimizing collections processing is provided. More specifically, the system for optimizing collections processing comprises a computer system in electronic communication with an accounts database storing customer and account information therein, the computer system executing a collections processing engine, said engine performing the steps of (a) electronically receiving a notification that an account has entered a collections process, (b) defining one or more customer behavior models based on customer and account information stored in the accounts database, (c) processing the customer and account information using the one or more models to calculate one or more model scores representing a probability that the account will pay to current while in a current collections stage having a treatment action associated therewith, (d) processing the calculated one or more model scores to calculate an optimal amount of time that the account should stay in the current collections stage, (e) determining whether to transfer the account to a next collections stage having another treatment action different than the current stage, and (f) repeating steps c-e until full payment is received and removing the account from the collections process. |
