DEBT CANCELLATION PROGRAM THAT PERMITS

Brand	Owner	Address	Description
CREDIT SAVER	Advanta Bank Corp.	Welsh and McKean Roads Spring House PA 19477	Debt cancellation program that permits customers to cancel provider credit card debt in the event of death or to forbear payments for periods of involuntary unemployment or disability;CREDIT;
	Where the owner name is not linked, that owner no longer owns the brand

Technical Examples

A predictive model, for example, a neural network, evaluates individual debt holder accounts and predicts the amount that will be collected on each account based on learned relationships among known variables. The predictive model is generated using historical data of delinquent debt accounts, the collection methods used to collect the debts in the accounts, and the success of the collection methods. In one embodiment, the predictive model is generated using profiles of delinquent debt accounts summarizing patterns of events in the accounts, and the success of the collection effort in each account. In another embodiment, the predictive model includes a mathematical representation of the collector's notes created during the collection period for each account.