Patents

About TrueML’s Patents:

Over years of meticulous development, our teams of data scientists, compliance enthusiasts, and consumer experience experts built a proprietary machine learning engine. By leveraging anonymized historical engagement data, our machine learning models determine the best, most personalized path forward for every individual—keeping compliance and fair practices at the center of everything we do. This advanced, consumer-centric technology, called Heartbeat, covers these core concepts:

• Essentia Profiling: Rather than treating all debtors identically, the technology analyzes debtor characteristic variables from engagement data and pairs them with specific anonymized, historic essentia data.
• Personalized Decisions: The technology determines specific, tailored dunning decisions based on the assigned profile.
• Automated & Self-Serve: The technology generates automated dunning communications (emails, text messages, and self-serve portals) designed to maximize recovery while protecting customer relationships.
• Account Level Refinement: The model’s learning occurs at the system level and at the individual account level. Over time, as the system collects event data from the debtor’s actions (or inactions), the system improves the models and refines individual outreach with the best channel, time of day, sender domain, and tone of message.

The following products are protected by U.S. patents as indicated below. This website is provided to satisfy the virtual patent marking provisions of the America Invents Act under 35 U.S.C. § 287(a). The following list of products may not be all-inclusive, and other products not listed here may be protected by one or more patents.

Applied Essentia Dunning (Heartbeat)

• Patent No. 10,453,127, issued October 22, 2019
• Patent No. 11,257,150, issued February 22, 2022
• Patent No. 11,783,413, issued October 10, 2023
• Patent No. 12,266,012, issued April 1, 2025
• Publication No. US 2025/0200651 A1, filed February, 2025 (pending)