System and method for compiling information for resolving transactions

• US 20060085330A1
• Filed: 10/19/2005
• Published: 04/20/2006
• Est. Priority Date: 10/19/2004
• Status: Active Grant

• Current Assignee: Miritz Incorporated
• Original Assignee: Apollo Enterprise Solutions LLC (Apollo Group Incorporated)
• Inventors: House, William J. III, Imrey, G. Christopher
• Granted Patent: US 8,504,468 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 50/18 Legal services

Abstract

A system and method for gathering information pertinent to a transaction for purposes of compiling an offer set of at least one offer for settling the transaction is presented. The design comprises a server configured to seek information, the server configured to seek at least one from a group comprising information related to personal data regarding a user, information related to account data regarding a user account, information related to macroeconomic data, and information related to the transaction. The server seeks all information from a source separate from the server and the user.

Claims

1. A method for gathering information pertinent to a transaction for purposes of compiling an offer set of at least one offer for settling the transaction, comprising:

collecting information at a server regarding the transaction, the collecting comprising at least one from a group comprising;

seeking information related to personal data regarding a user from a personal data source separate from the user and the server;

seeking information related to account data regarding a user account from an account data source separate from the user and the server;

seeking information related to macroeconomic data from a macroeconomic source separate from the user and the server; and

seeking information related to the transaction from a transaction data source separate from the user and the server.

2. The method of claim 1, wherein said collecting is based on information specifically pertinent to a set of rules provided on behalf of a party to the transaction.

3. The method of claim 1, wherein said collecting information comprises seeking macroeconomic data from a public server.

4. The method of claim 1, wherein said collecting information comprises seeking personal data information from a credit bureau by obtaining a credit report.

5. The method of claim 1, wherein the transaction comprises a debt, the user comprises a debtor, and collecting information comprises seeking personal data information regarding the debtor from a credit bureau by obtaining a credit report.

6. The method of claim 1, further comprising parsing the data collected by said collecting to data pertinent to rules established on behalf of a party to the transaction.

7. A system for gathering information pertinent to a transaction for purposes of compiling an offer set of at least one offer for settling the transaction, comprising:

a server configured to seek information, the server configured to seek at least one from a group comprising;

information related to personal data regarding a user;

information related to account data regarding a user account;

information related to macroeconomic data; and

information related to the transaction;

wherein said server seeks all information from a source separate from the server and the user.

8. The system of claim 7, wherein said server seeks information based on information specifically pertinent to a set of rules provided on behalf of a party to the transaction.

9. The system of claim 7, wherein said server seeks macroeconomic data from a public server.

10. The system of claim 7, wherein said server seeks personal data information from a credit bureau server via a credit report.

11. The system of claim 7, wherein the transaction comprises a debt, the user comprises a debtor, and collecting information comprises seeking personal data information regarding the debtor from a credit bureau by obtaining a credit report.

12. The system of claim 7, further comprising a parser configured to parse the information into data pertinent to rules established on behalf of a party to the transaction.

13. A method for gathering information pertinent to a debt for purposes of compiling an offer set of at least one offer to a user for purposes of settling the debt, comprising:

collecting information at a server regarding the debt, the collecting comprising at least one from a group comprising;

seeking information related to personal data regarding the debtor user from a credit source separate from the debtor and the server;

seeking information related to account data regarding a debtors account from a financial source separate from the debtor and the server;

seeking information related to macroeconomic data from a macroeconomic source separate from the debtor and the server; and

seeking information related to data regarding the debt from a debt data source separate from the debtor and the server.

14. The method of claim 13, wherein said collecting is based on information specifically pertinent to a set of rules provided on behalf of a creditor.

15. The method of claim 13, wherein said collecting information comprises seeking macroeconomic data from a public server.

16. The method of claim 13, wherein said collecting information comprises seeking personal data information from a credit bureau.

17. The method of claim 13, further comprising parsing the data collected by said collecting to data pertinent to rules established on behalf of a creditor holding the debt.