DEBT OPTIMIZER

Brand	Owner	Address	Description
DEBTOPTIMIZER	INCENTER	909 Lake Carolyn Pkwy., Suite 1550 Irving TX 75039	DEBT OPTIMIZER;Providing a website featuring on-line non-downloadable software for use in managing and analyzing personal finances; providing a website featuring on-line non-downloadable software for aggregating and analyzing a consumer's bank and credit accounts from multiple financial institutions in a single online location; providing a website featuring on-line non-downloadable software that aggregates and provides personal financial information and financial advice specific to each user; providing a website featuring on-line non-downloadable software that enables users to create financial plans, assess and set spending goals, monitor spending, set and receive financial account alerts, and receive offers generated specifically for each user;
	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.