Collector's account payment promise option advisory apparatus and method

摘要

A computer-based promise option advisory module included in a promise management system receives account data, customer data, and parameter data from a database or a collection system, and calculates and displays promise options, or interfaces to a decision engine which calculates the promise options. A user may accept the displayed promise options or input the user's own promise options, in which case the user's promise options are transmitted by the promise management system to the collections system for verification. The calculated promise options include a minimum payment amount and a maximum payment date, and correspond to a single promise, a two part promise, a long term promise, or a deferred payment arrangement promise.