Collection system database architecture
First Claim
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1. A method of implementing a debt collection process using a computer having a memory, the method comprising the steps of:
- providing a first data structure in said memory, said first data structure comprising an account record, said account record comprising information about a debt;
providing a second data structure in said memory, said second data structure comprising at least one accountholder record, each said at least one accountholder record comprising information about a debtor that may be obligated to pay said debt;
providing a third data structure in said memory; and
processing said account information to create, in said third data structure, an account management record, said account management record comprising information related to said account record.
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Abstract
A data model for an automated collection system. In an embodiment of the data model of the present invention represent an account is represented by a record in a first data structure, one or more accountholders each is represented by a record in a second data structure, and a third data structure is provided to contain records representing the connection or relationship between the accountholder and the account.
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Citations
22 Claims
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1. A method of implementing a debt collection process using a computer having a memory, the method comprising the steps of:
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providing a first data structure in said memory, said first data structure comprising an account record, said account record comprising information about a debt;
providing a second data structure in said memory, said second data structure comprising at least one accountholder record, each said at least one accountholder record comprising information about a debtor that may be obligated to pay said debt;
providing a third data structure in said memory; and
processing said account information to create, in said third data structure, an account management record, said account management record comprising information related to said account record. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. An automated collection system comprising:
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a computer having a memory;
a first data structure resident on said memory comprising account information about a debt;
a second data structure resident on said memory comprising accountholder information about at least one debtor that may be obligated to pay said debt;
a third data structure resident on said memory; and
processing structure capable of creating, in third data structure, an account management record, said account management record comprising information related to said account information. - View Dependent Claims (20, 21, 22)
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Specification