# US 2013/0159176 A1 · System and Method for Debt Presentment and Resolution

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- Number: US 2013/0159176 A1
- Document ID: US20130159176A1
- Status: Published application
- Kind: A1
- Application number: 13/738,570
- Filed: 2013-01-10
- Published: 2013-06-20
- Earliest claimed: 1999-03-12
- Inventors: Scott L. Evans
- Web page: https://patentgrep.com/patent/US20130159176A1

## CPC

- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/14: specially adapted for billing systems
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q 40/03: Credit; Loans; Processing thereof
- 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

## Abstract

A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page.

## Claims

### Claim 1

A system for settling a debt representing an amount of money owed the system comprising:
a server configured to receive communications from a user, the server further configured to seek available credit information including information about the user's current financial condition from at least one source external to the user, wherein the available credit information pertinent to the user comprises financial information regarding the user's ability to pay and financial position of the user, the server comprising:
a rules based engine including rules established on behalf of a party having an interest in the debt, the rules based engine configured to process data from the available credit information and present a transaction settlement offer set to the user, the transaction settlement offer set based on at least one decision made by the rules based engine and data processed from the available information;
wherein the transaction settlement offer set comprises at least two individually selectable monetary offers each comprising different decisioned monetary settlement terms specifically determined for the user based on the rules established on behalf of the party having the interest in the debt and data processed from the available credit information, each individually selectable monetary offer selectable by the user to establish settlement of the debt by modifying existing terms of the debt without providing a new debt instrument to the user using terms of the individually selectable monetary offer selected by the user, and wherein upon selection of one offer by the user, the server obtains user payment information and processes at least a portion of the one offer selected by the user.

### Claim 2 (depends on 1)

The system of claim 1, wherein the server further comprises a parsing module configured to receive the available credit information and parse information based on the rules established on behalf of the party having the interest in the debt.

### Claim 3 (depends on 1)

The system of claim 1, wherein the server further comprises a portfolio management module configured to manage a portfolio comprising a plurality of debts based on actions taken by multiple users and aspects associated with the portfolio.

### Claim 4 (depends on 1)

The system of claim 1, wherein the user comprises a debtor.

### Claim 5 (depends on 4)

The system of claim 4, wherein the available credit information comprises a credit report associated with the debtor.

### Claim 6 (depends on 5)

The system of claim 5, wherein rules in the rules based engine are established by a credit entity having rights to the debt.

### Claim 7 (depends on 1)

The system of claim 1, wherein the rules based engine relies on at least one dictionary employed to translate received information into information used within the server.

### Claim 8 (depends on 1)

The system of claim 1, wherein the transaction settlement offer set comprises at least two simultaneously presented selectable monetary offers of settlement formed according to the rules.

### Claim 9 (depends on 8)

The system of claim 8, wherein the server is further configured to enable the user to make a different monetary offer than any monetary offer provided in the transaction settlement offer set.

### Claim 10 (depends on 1)

The system of claim 1, wherein the server is further configured to provide the transaction settlement offer set with an incentive to the user to resolve the debt by communications with the server.

### Claim 11 (depends on 1)

The system of claim 1, wherein the rules engine comprises rules that consider the user's ability to sufficiently resolve the debt.

### Claim 12 (depends on 9)

The system of claim 9, further comprising providing an alternative settlement offer set that differs from the transaction settlement offer set.

### Claim 13 (depends on 1)

The system of claim 1, wherein the server further comprises a payment processing module configured to present the user with at least one payment option related to at least one offer in the transaction settlement offer set.

### Claim 14

A system for settling a debt owed by a user to a party, comprising:
a server configured to seek available credit information regarding the user from a source separate from the user, wherein the available credit information regarding the user comprises financial information about the user's current financial condition, and
when available credit information is obtainable regarding the user, receiving the available credit information at the server, wherein the server comprises:
a rules engine configured to receive the available credit information and process available data using rules established on behalf of the party; and
wherein the server is configured to present the transaction settlement offer set to the user, the transaction settlement offer set comprising at least two individually selectable monetary offers each comprising different decisioned monetary settlement terms specifically determined for the user based on the rules established on behalf of the party and data processed from the available credit information based on the rules established on behalf of the party, each individually selectable offer selectable by the user to establish settlement of the debt by modifying existing terms of the debt without providing a new debt instrument to the user using terms of the individually selectable monetary offer selected by the user, and wherein upon selection of one offer by the user, the server obtains user payment information and processes at least a portion of the one offer selected by the user.

### Claim 15 (depends on 14)

The system of claim 14, wherein the server further comprises a parsing module configured to receive the available credit information and parse information based on the rules established on behalf of the party.

### Claim 16 (depends on 15)

The system of claim 15, wherein the server further comprises a portfolio management module configured to manage a portfolio comprising a plurality of transactions based on actions taken by multiple users and aspects associated with the portfolio.

### Claim 17 (depends on 14)

The system of claim 14, wherein the user comprises a debtor.

### Claim 18 (depends on 17)

The system of claim 17, wherein the available credit information comprises a credit report associated with the debtor.

### Claim 19 (depends on 18)

The system of claim 18, further comprising enabling the user to make a different monetary offer than any monetary offer provided in the transaction settlement offer set.

### Claim 20

A system for settling a debt existing between a debtor entity and a creditor entity, comprising:
a server configured to establish contact with and receive information from the debtor entity and further configured to seek financial information from a source separate from the debtor entity regarding the debtor entity's current financial condition, the financial information comprising a credit report for the debtor entity, the server comprising:
a rules based engine configured to receive data comprising at least a portion of any credit report obtained and other financial information pertinent to the debtor entity, the rules based engine configured to process the data using rules established by the creditor entity;
wherein the server is further configured to present a transaction settlement offer set to the debtor entity, the transaction settlement offer set comprising at least two individually selectable monetary offers each comprising different decisioned monetary settlement terms specifically determined for the user based on the rules established by the creditor entity, the portion of any credit report obtained, and other financial information pertinent to the debtor entity including information about the debtor entity's current financial condition, each individually selectable monetary offer selectable by the debtor entity to establish settlement of the debt by modifying existing terms of the debt without providing a new debt instrument to the user using terms of the individually selectable monetary offer selected by the user, and wherein upon selection of one offer by the user, the server obtains user payment information and processes at least a portion of the one offer selected by the user.

### Claim 21 (depends on 20)

The system of claim 20, wherein the server further comprises a parsing module configured to receive the financial information and parse information based on the rules established on behalf of the creditor entity.

### Claim 22 (depends on 21)

The system of claim 21, wherein the server further comprises a portfolio management module configured to manage a portfolio comprising a plurality of debts based on actions taken by multiple debtor parties and aspects associated with the portfolio.

### Claim 23 (depends on 20)

The system of claim 20, wherein the rules based engine relies on at least one dictionary employed to translate received information into information used within the server.

### Claim 24 (depends on 20)

The system of claim 20, wherein the transaction settlement offer set comprises at least two simultaneously presented selectable monetary offers of settlement formed according to the rules.

### Claim 25 (depends on 24)

The system of claim 24, wherein the server is further configured to enable the debtor entity to make a different offer than any offer provided in the transaction settlement offer set.

### Claim 26 (depends on 25)

The system of claim 25, wherein the server is further configured to provide an alternative settlement offer set that differs from the transaction settlement offer set.

### Claim 27 (depends on 20)

The system of claim 20, wherein the server further comprises a payment processing module configured to present the debtor entity with at least one payment option related to at least one offer in the transaction settlement offer set.