Eric M Johnson
Plumbers at Sandy Rdg Ct, Longmont, CO

7995991, Aug 9, 2011

Aug 14, 2008

12/192049

Eric A. Johnson - Longmont CO, US
Mark J. Handzel - Encinitas CA, US

Authorize.Net LLC - Mountain View CA

H04W 4/26, H04M 1/66

455408, 455406, 455410

An apparatus for allowing a telecommunication service provider to manage the risk that a subscriber will not pay their bill for use of the provider's telecommunication system comprising interface means, operating within a digital computer, for communicating information relating to a particular subscriber, said interface means includes a first portion for communicating information relating to said particular subscriber with a payment records database and a second portion for receiving a call information record for each call involving said particular subscriber, said call information record derived from information compiled by a switching center that is capable of establishing connections between a plurality of pairs of telecommunication devices and simultaneously maintaining such connections; credit means, operating within said digital computer, for using said first portion of said interface to obtain a billing and payment history for said particular subscriber, for using said billing and payment history to establish a credit limit for said particular subscriber; analysis means, operating within said digital computer, for receiving each of said call information record for said particular subscriber from said second portion of said interface means and using said call information record to compare call usage of said particular subscriber call to said credit limit for said particular subscriber; and output means, operating within said digital computer, for outputting an indication to the telecommunication service provider that said particular subscriber has exceeded said credit limit for said particular subscriber.

2010022, Sep 2, 2010

Dec 9, 2009

12/634423

Eric Johnson - Longmont CO, US
Don Kainer - Longmont CO, US

G06Q 10/00, G06Q 50/00, G06Q 30/00, G06F 15/18, G06N 5/02, G06N 3/08

705 10, 705 1442, 706 12, 706 21, 706 25, 706 54

A Multi-Dimensional Offer Optimization™ (MDOO) process is provided that may be defined generally as an offer simulation engine that matches an offer most likely to be accepted to the customer most likely to accept it. In general terms, the present offer simulation engine is defined as a form of predictive analytics used to make informed decisions about how to best spend scarce marketing dollars. Predictive analytics encompasses a variety of techniques from analytical statistics to traditional data mining that examines current and historical data to make predictions about future events. More specifically, the MDOO process uses predictive analytics to make decisions concerning customer optimization to include, by way of example, new customer acquisition, customer loyalty, customer retention and customer profitability.

5615408, Mar 25, 1997

Oct 19, 1993

8/138866

Eric A. Johnson - Longmont CO
Mark J. Handzel - Encinitas CA

Coral Systems, Inc. - Longmont CO

H04Q 734

455 331

The present invention provides an apparatus for credit based management of a telecommunication system. One embodiment of the apparatus includes an interface for communicating credit information on a particular subscriber and for receiving call records for the particular subscriber that are derived from a switch which establishes connections between telecommunication devices. A credit limit device then utilizes the credit information to establish a credit limit for the subscriber. The apparatus also includes a device for comparing the particular subscriber's call usage to a credit limit established for the subscriber based on information obtained from the credit bureau. An output device is used to provide an indication that the subscriber has exceeded their credit limit. Another embodiment of the apparatus, includes a device for, upon expiration of a predetermined time period, contacting the credit bureau to obtain a new credit score for a subscriber and use this score to update the subscriber's credit limit.

7433674, Oct 7, 2008

Nov 15, 2006

11/559918

Eric A. Johnson - Longmont CO, US
Mark J. Handzel - Encinitas CA, US

Authorize.Net LLC - Mountain View CA

H04M 11/00

455405, 455406, 455410

The present invention provides an apparatus for credit based management of a telecommunication system. One embodiment of the apparatus includes an interface for communicating credit information on a particular subscriber and for receiving call records for the particular subscriber that are derived from a switch which establishes connections between telecommunication devices. A credit limit device then utilizes the credit information to establish a credit limit for the subscriber. The apparatus also includes a device for comparing the particular subscriber's call usage to a credit limit established for the subscriber based on information obtained from the credit bureau. An output device is used to provide an indication that the subscriber has exceeded their credit limit. Another embodiment of the apparatus, includes a device for, upon expiration of a predetermined time period, contacting the credit bureau to obtain a new credit score for a subscriber and use this score to update the subscriber's credit limit.

7266363, Sep 4, 2007

Jun 12, 2003

10/459770

Eric A. Johnson - Longmont CO, US
Mark J. Handzel - Encinitas CA, US

Authorize.Net Holdings, Inc. - Marlborough MA

H04M 11/00, H04M 1/66

455408, 455411

The present invention provides an apparatus for credit based management of a telecommunication system. One embodiment of the apparatus includes an interface for communicating credit information on a particular subscriber and for receiving call records for the particular subscriber that are derived from a switch which establishes connections between telecommunication devices. A credit limit device then utilizes the credit information to establish a credit limit for the subscriber. The apparatus also includes a device for comparing the particular subscriber's call usage to a credit limit established for the subscriber based on information obtained from the credit bureau. An output device is used to provide an indication that the subscriber has exceeded their credit limit. Another embodiment of the apparatus, includes a device for, upon expiration of a predetermined time period, contacting the credit bureau to obtain a new credit score for a subscriber and use this score to update the subscriber's credit limit.

2011005, Mar 3, 2011

Apr 19, 2010

12/799217

Eric A. Johnson - Longmont CO, US
Don Kainer - Longmont CO, US
Adrian Fan - Longmont CO, US

G06N 5/02

706 54

An Insightful Dimensional Clustering (IDC) application is disclosed. The insightful dimensional clustering engine may perform various functions, including, performing an iterative process to determine the identity of dimensions that are important to the tag and the identity of the segment of a population having a target behavior, segmenting the population within the data space into clusters, analyzing the resulting clusters for a high tag concentration, and displaying the resulting clusters to name a few. The insightful dimensional clustering engine may be implemented as one or more processes operating on a computer or server, or may be a specially adapted computer or hardware device configured to perform the one or more operations described herein.

2011001, Jan 20, 2011

Apr 19, 2010

12/799216

Eric A. Johnson - Longmont CO, US
Don Kainer - Longmont CO, US
Adrian Fan - Longmont CO, US

G06F 15/18

706 20

A computer implemented method utilizing Insightful Dimensional Clustering (IDC) to extrapolate characteristics of subscribers that contact customer care to the entire subscriber base is disclosed. The combination of interaction content and IDC results in the spread of rich interaction characteristics to the entire subscriber base resulting in groupings of subscribers with similar characteristics including behavior, preferences, complaints, churn propensities, and pertinent retention offers.

5345595, Sep 6, 1994

Nov 12, 1992

7/975512

Eric A. Johnson - Longmont CO
Michael D. Liss - Nederland CO
Flemming B. Jensen - Sandy UT

Coral Systems, Inc. - Longmont CO

H04Q 700

455 331

An apparatus for detecting potentially fraudulent telecommunication activity, comprising a digital computer; interface, operatively connected to the digital computer, for receiving a call information record for each call involving a particular subscriber; comparator operating within the digital computer, for comparing a parameter of the particular subscriber's current usage with a subscriber-specific pattern of the particular subscriber's historical usage; and an output for outputting an indication of a potentially fraudulent call based upon a result of the comparison performed by the comparator.

5907800, May 25, 1999

Jun 7, 1995

8/486215

Eric A. Johnson - Longmont CO
Howard Kaushansky - Nederland CO
Sunil Prakash - Westminster CO
Martin Brunecky - Arvada CO
Eileen M. McGrath-Hadwen - Boulder CO

Lightbridge, Inc. - Burlington MA

H04Q 720

455405

The present invention provides an apparatus for detecting potential subscriber dissatisfaction and preventing termination by subscribers of telecommunication services providers. One embodiment of the apparatus includes an interface for receiving information regarding a subscriber. A processing device then utilizes the information to determine if the subscriber is likely to terminate his subscription. An output device is used to initiate action to prevent a subscriber who may be likely to terminate from terminating his subscription. Another embodiment of the apparatus includes a device for using rate plan information to determine if a subscriber is likely to terminate his subscription.