Software Applications

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IPS Calc™ is an intelligent payment calculator that uses artificial intelligence to aggregate credit scores, debt ratios, geographic info, social media and psychographic information in order determine the optimal payment plans and offers to be made. The IPS Calc™ engine produces a debtor score which can be used by other products and services in the IPS product suite. 

IPS Pay™ is a mobile and web-based payments application marketed to primary creditors to provide their consumers with a seamless, convenient mobile and web payment channel. The system allows a debtor to construct and set up payment plans through their mobile device or via website, schedule minimum payments or recurring payments, subscribe to payment reminder notifications, and have payment information sent to the debtor via a payment gateway or processed by one of JustPaid’s payment processing partners. IPS Pay™ is the electronic payment process made available for debtors to make mobile or on-line payments in a secure, simple, easy way with just a few clicks.

IPS Collect™ is a mobile and web-based collection application targeted to collection of delinquent accounts. It uses a sophisticated rules-based decision engine, along with consumer account data and third-party consumer data, such as a credit report and/or custom developed scores, to qualify and present customized offers designed to match the consumer’s current ability to pay. Rules can be set based on a complex set of parameters including but not limited to age, social media, geographic location, employment industry, debt ratios, aging of all trade lines and other info. Debt owners create the specific offers based on set parameters and IPS Calc™ can automatically generate the optimum payment plans with the greatest chance to maximize collections.

IPS Recover™ is a mobile and web-based application targeted towards the collection of post charge-off accounts. It uses a sophisticated rules-based decision engine, along with consumer account data and third-party consumer data, such as a credit report and/or custom developed scores, to qualify and present customized payment plans, including discounted plans, designed to match the consumer’s current ability to pay. Debt owners create the specific offers based on set parameters and IPS Calc™ can automatically generate the optimum payment plans with the greatest chance to maximize collections. 

IPS Data™ is a powerful analysis engine that analyzes and examines the data exhaust from all IPS modules. IPS Data™ is used to create best-practices and enhancements for IPS modules. 

IPS Send™ is a powerful messaging engine that creates email messages and text messageswhich are customized with integrated data from the IPS Offer™ engine. IPS Send™ will personalize messages and send out messages in multiple formats such as email & SMS messages at the optimal time most likely to be read by the debtor. 

IPS Notify™ tracks open rates, dates, times, time zones and locations and can automatically update CRM systems and/or debtor contact records. IPS Send™ can also use the data previously sent including open dates, times and locations to optimize the best time and method to send additional messages. IPS Notify™ can also notify collectors via email and/or SMS messages when messages are read.

IPS Settle™ is a real-time settlement engine that connects debtors with collectors electronically in order to negotiate and agree upon a settlement amount. IPS Offer™ and IPS Send™ make optimized offers with a simple self-service “click to accept” process; however, if the debtor does not take the suggested positive action and attempts to leave the screen, IPS Settle™ can make one last effort to allow the debtor to interact with IPS Bot™ or a live agent. 

IPS Score™ is an automated process to help debtors obtain a soft-pull of their credit reportand understand the specific trade lines than need attention. Debtors can review potential score improvements for taking specific actions. 

IPS Offer™ is an automatic offer generator that creates new credit offers as the debtors score increases. As electronic payments are made via IPS Pay™, IPS Update™ updates the credit bureau and IPS Calc™ then estimates the change in the credit score. In short, we become the first to know that a debtor’s credit score is about to increase. As the score reaches specific thresholds, IPS Offer™ can make offers for new credit.