Electronic direct marketing
First Claim
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1. A method for presenting customer-specific supplemental information with billing information, comprising:
- receiving billing information associated with a customer of a biller;
determining if the customer qualifies for presentment of a supplemental information item based upon qualification information other than the received billing information, historical billing information associated with the customer, or credit information associated with the customer;
generating a bill presentation; and
presenting the generated bill presentation to the customer;
wherein, if the customer is determined to qualify for presentment of the supplemental information item, the generated bill presentation includes the received billing information and the supplemental information item; and
wherein, if the customer is determined not to qualify for presentment of the supplemental information item, the generated bill presentation includes the received billing information and excludes the supplemental information item.
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Accused Products
Abstract
The present invention provides a method, system, and article of manufacture for presenting customer-specific supplemental information with billing information. Billing information is received. A decision is made if the customer qualifies to receive an item of supplemental information. This decision is based upon attributes and characteristics of the customer. If the customer qualifies to receive the supplemental information, a bill is produced having both billing information and the supplemental information. If the customer does not qualify, a bill is produced which does not have that supplemental information.
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Citations
25 Claims
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1. A method for presenting customer-specific supplemental information with billing information, comprising:
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receiving billing information associated with a customer of a biller;
determining if the customer qualifies for presentment of a supplemental information item based upon qualification information other than the received billing information, historical billing information associated with the customer, or credit information associated with the customer;
generating a bill presentation; and
presenting the generated bill presentation to the customer;
wherein, if the customer is determined to qualify for presentment of the supplemental information item, the generated bill presentation includes the received billing information and the supplemental information item; and
wherein, if the customer is determined not to qualify for presentment of the supplemental information item, the generated bill presentation includes the received billing information and excludes the supplemental information item. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for presenting customer-specific supplemental information with billing information, comprising:
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receiving billing information associated with a customer of a biller;
determining if the customer qualifies for presentment of a first supplemental information item;
determining if the customer qualifies for presentment of a second supplemental information item;
generating a bill presentation; and
presenting the generated bill presentation to the customer;
wherein, each determination is based upon qualification information other than the received billing information, historical billing information associated with the customer, or credit information associated with the customer;
wherein, if the customer is determined to qualify for presentment of the first supplemental information item and not the second supplemental information item, the generated bill presentation includes the received billing information and the first supplemental information item and excludes the second supplemental information item;
wherein, if the customer is determined to qualify for presentment of the second supplemental information item and not the first supplemental information item, the generated bill presentation includes the received billing information and the second supplemental information item and excludes the first supplemental information item; and
wherein, if the customer is determined not to qualify for presentment of the first and the second supplemental information items, the generated bill presentation includes the received billing information and excludes the first and the second supplemental information items. - View Dependent Claims (9, 10, 11, 12, 14, 15, 16, 17, 18, 19)
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13. A system for presenting customer-specific supplemental information with billing information, comprising:
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a first processor configured to transmit billing information associated with a customer of a biller; and
a second processor configured to
1) receive the transmitted billing information,
2) determine if the customer qualifies for presentment of a supplemental information item based upon qualification information other than the received billing information, historical billing information associated with the customer, or credit information associated with the customer,
3) generate a bill presentation, and
4) present the generated bill presentation;
wherein, if the customer is determined to qualify for presentment of the supplemental information item, the generated bill presentation includes the received billing information and the supplemental information item; and
wherein, if the customer is determined not to qualify for presentment of the supplemental information item, the generated bill presentation includes the received billing information and excludes the supplemental information item.
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20. A system for presenting customer-specific supplemental information with billing information, comprising:
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a first processor configured to transmit billing information associated with a customer of a biller; and
a second processor configured to
1) receive the transmitted billing information,
2) determine if the customer qualifies for presentment of a first supplemental information item,
3) determine if the customer qualifies for presentment of a second supplemental information item,
4) generate a bill presentation, and
5) present the generated bill presentation;
wherein the second processor is further configured to make each determination based upon qualification information other than the received billing information, historical billing information associated with the customer, or credit information associated with the customer;
wherein, if the customer is determined to qualify for presentment of the first supplemental information item and not the second supplemental information item, the generated bill presentation includes the received billing information and the first supplemental information item and excludes the second supplemental information item;
wherein, if the customer is determined to qualify for presentment of the second supplemental information item and not the first supplemental information item, the generated bill presentation includes the received billing information and the second supplemental information item and excludes the first supplemental information item; and
wherein, if the customer is determined not to qualify for presentment of the first and the second supplemental information items, the generated bill presentation includes the received billing information and excludes the first and the second supplemental information items. - View Dependent Claims (21, 22, 23, 24)
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25. An article of manufacture for presenting customer-specific supplemental information with billing information comprising:
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a computer readable medium; and
computer programming stored on the medium;
wherein the stored computer programming is configured to be readable from the computer readable medium by a computer to thereby cause the computer to operate so as to;
receive billing information associated with a customer of a biller;
determine if the customer qualifies for presentment of a supplemental information item based upon qualification information other than the received billing information, historical billing information associated with the customer, or credit information associated with the customer;
if the customer is determined to qualify for presentment of the supplemental information item, generate a bill presentation including the received billing information and the supplemental information item;
if the customer is determined not to qualify for presentment of the supplemental information item, generate a bill presentation including the received billing information and excluding the supplemental information item; and
cause the generated bill presentation to be presented to the customer.
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Specification