SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION
First Claim
1. A bill or debt presentment and resolution method, said method comprising the steps of sending a bill to a debtor requesting payment;
- including with said bill an authorization code unique to said debtor and inviting said debtor to resolve said debt by accessing the creditor'"'"'s Internet site;
providing access by said debtor to said creditor'"'"'s customer service software upon connection by said debtor to said creditor'"'"'s Internet site and following input of said authorization code;
interactively promoting an exchange of information between said debtor and said creditor leading to the resolution of said debt.
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Accused Products
Abstract
A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page. A database system records the transaction(s) and synchronizes with the database of said collection agency(s). The system and method has further applicability in providing demographically appropriate information to the debtor and in allowing other transactions, such as charitable and campaign contributions.
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Citations
20 Claims
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1. A bill or debt presentment and resolution method, said method comprising the steps of
sending a bill to a debtor requesting payment; -
including with said bill an authorization code unique to said debtor and inviting said debtor to resolve said debt by accessing the creditor'"'"'s Internet site;
providing access by said debtor to said creditor'"'"'s customer service software upon connection by said debtor to said creditor'"'"'s Internet site and following input of said authorization code;
interactively promoting an exchange of information between said debtor and said creditor leading to the resolution of said debt. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A bill or debt presentment and resolution system comprising
a bill to a debtor requesting payment, said bill including an authorization code unique to said debtor and an invitation to said debtor to resolve said debt by accessing the creditor'"'"'s Internet site; -
an Internet site established by said creditor, said site including customer service software accessible by said debtor following input of said authorization code;
said software enabling the interactive exchange of information between said debtor and said creditor;
means allowing said debtor to resolve and pay said debt. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification