Patents
US 12333600 B2: Automatic data segmentation system
- Granted
- 2025-06-17
- Filed
- 2023-12-01 application 18527040
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
Aspects include a system and method of automatic data segmentation to optimize a client's collection efforts against individuals serviced by the client. At least accounts receivables data, historical payment data, and credit related data associated with an individual may be provided to a model as input data to predict a recovery value for the individual. The recovery value may be a weighted average of a unit yield and recovery rate. Based on the predicted recovery value and client-provided segmentation boundaries that define segments as a range of recovery values, the individual may be assigned to a segment. The segment may inform the client of a particular collection strategy for the individual to optimize collection efforts. Additionally, recovery values for the individuals serviced by the client may be provided to a comparison system and utilized to directly compare collection efforts across a plurality of clients nationally and/or demographically.
Source: PVGPATDIS, file of 2026-04-10 (ipg250617.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Experian Health, Inc. 29 patents | US company or organization | Franklin, TN | PVGPATDIS, file of 2026-04-10 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Christopher Busch | Maple Grove, MN | 10 | PVGPATDIS, file of 2026-04-10 | |
| Nathaniel W. Lutz | Apple Valley, MN | 2 | PVGPATDIS, file of 2026-04-10 | |
| Zackary Dixon | Leander, TX | 2 | PVGPATDIS, file of 2026-04-10 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q40/03 | PVGPATDIS, file of 2026-04-10 |
| G06F | Electric digital data processing | G06F16/288 | PVGPATDIS, file of 2026-04-10 |
| G06N | Computing arrangements based on specific computational models | G06N20/00 | PVGPATDIS, file of 2026-04-10 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2024-03-14 | Assignment Assignment of assignor's interest | BUSCH, CHRISTOPHER signed 2019-10-10 LUTZ, NATHANIEL signed 2019-07-22 DIXON, ZACKARY signed 2019-07-22 | EXPERIAN HEALTH, INC. FRANKLIN, TN | 66773/191 | PASDL, file of 2026-10-15 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.