US 12,266,012 B2
Applied essentia dunning
Nadav Samet, Sr., Sunnyvale, CA (US); Nadav Samet, Jr., Petach Tikva (IL); Ohad Samet, San Francisco, CA (US); and Richard Yeung, San Francisco, CA (US)
Assigned to One True Holding Company, Lenexa, KS (US)
Filed by One True Holding Company, Lenexa, KS (US)
Filed on Oct. 10, 2023, as Appl. No. 18/378,411.
Application 18/378,411 is a continuation of application No. 17/677,230, filed on Feb. 22, 2022, granted, now 11,783,413.
Application 17/677,230 is a continuation of application No. 16/660,392, filed on Oct. 22, 2019, granted, now 11,257,150, issued on Feb. 22, 2022.
Application 16/660,392 is a continuation of application No. 14/836,116, filed on Aug. 26, 2015, granted, now 10,453,127, issued on Oct. 22, 2019.
Claims priority of provisional application 62/042,339, filed on Aug. 27, 2014.
Prior Publication US 2024/0221070 A1, Jul. 4, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/02 (2023.01)
CPC G06Q 40/02 (2013.01) 17 Claims
OG exemplary drawing
 
1. A method comprising:
receiving debtor data of a debtor from a creditor;
mapping the debtor to a first essentia selected from a plurality of essentias to create a first essentia instance for the debtor based on debtor characteristic variables identified from the debtor data and essentia characteristic variables identified by first essentia data associated with the first essentia;
determining first essentia specific dunning decisions corresponding to the first essentia to apply when dunning the debtor;
dunning the debtor according to the first essentia specific dunning decisions, wherein dunning the debtor according to the first essentia specific dunning decisions further comprises:
generating a dunning message according to the first essentia specific dunning decisions, the first essentia specific dunning decisions indicating message attributes for the dunning message, the message attributes including message format information defining how the dunning message will be presented to the debtor on a debtor computer system; and
sending the dunning message according to the first essentia specific dunning decisions;
generating a dunning history for the debtor based on the dunning; and
modifying based on the dunning history one of (a) the first essentia data indicating the essentia specific dunning decisions, such that dunning of a debtor is carried out according to modified essentia specific dunning decisions indicated by the modified first essentia data, (b) the first essentia data indicating the essentia characteristic variables, such that future mapping of the debtor is carried out according to modified essentia characteristic variables identified by the modified first essentia data, and (c) the plurality of essentias based on the dunning history, such that a future mapping of the debtor may cause the debtor to be mapped to a different essentia selected from the plurality of essentias, such that dunning of the debtor is carried out according to different essentia specific dunning decisions indicated by the different essentia.