For Lenders
Why Lenders Should Acquire This Patent
Retail and portfolio lenders face intense competition for every refinance and home‑equity opportunity. Servicers typically retain only a small share of borrowers who refinance, even though they start with the relationship advantage.
Own Your Retention Framework
- Deploy a branded, patent‑backed retention experience across web and mobile.
- Standardize an HPPA‑aligned consent and routing workflow across channels.
- Demonstrate to regulators a structured approach to FCRA/HPPA‑sensitive flows.
Build on a Foundational Asset
Use 8,660,939 as the base for new patents covering AI‑driven recapture, propensity modeling, and customer‑for‑life journeys—anchored on the patented identify → consent → notify → route pattern.