System and method for debt presentment and resolution
First Claim
1. A method for producing the payment of a bill, debt or other transactions, said method comprising the steps of:
- providing a transaction interface for a creditor or vendor and user to exchange information such that said user may complete a payment transaction with said creditor or vendor;
providing at least one computer in communication with a computer network;
storing control information in a database;
informing said user of said control information, wherein said control information includes access information unique to said creditor or vendor, said access information allowing said user to access said transaction interface without system enrollment;
inviting said user to access said transaction interface using said access information to complete said payment transaction;
providing access for said user to a transaction community upon connection to said transaction interface and following input of said access information; and
interactively promoting said information exchange between said user and said creditor or vendor for said user to complete said transaction.
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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. The system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of transactors and a plurality of creditors through a variety of channels. The system of the invention allows transactors to access and input information related to a particular debt and select the method in which to complete the transaction. For example, transactors may be provided with a URL for a content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication. Upon the transactor entering the URL and entering the identification code, the transactor may then proceed to choose from a variety of settlement options listed on the HTML page. A database system then records the transaction(s) and synchronizes with the database of the collection agency(s).
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Citations
139 Claims
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1. A method for producing the payment of a bill, debt or other transactions, said method comprising the steps of:
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providing a transaction interface for a creditor or vendor and user to exchange information such that said user may complete a payment transaction with said creditor or vendor;
providing at least one computer in communication with a computer network;
storing control information in a database;
informing said user of said control information, wherein said control information includes access information unique to said creditor or vendor, said access information allowing said user to access said transaction interface without system enrollment;
inviting said user to access said transaction interface using said access information to complete said payment transaction;
providing access for said user to a transaction community upon connection to said transaction interface and following input of said access information; and
interactively promoting said information exchange between said user and said creditor or vendor for said user to complete said transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 124, 126, 134, 135)
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47. A system for producing the payment of bills, debts or other transactions, said system comprising:
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at least one server computer having a transaction interface for computing over a network;
means for a creditor to interact with said server computer for providing control information to establish a database, said information including access information unique to said creditor;
means for informing said user of said control information, including said access information;
interface means for said user to interact with said server computer without enrollment using said access information, said interface means enabling said user to perform transactions on said server associated with said control information; and
means for storing transaction information entered by said user. - View Dependent Claims (48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92)
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93. A system for producing the payment of bills, debts or other transactions, said system comprising:
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a server computer having an interface for computing over a network;
a database associated with said server computer for storing control information associated with a debt;
means for generating a notice based upon said control information, said notice comprising access information unique to a creditor;
means for sending said notice to a user;
a transaction community established for said creditor and accessible by said user following input of said access information; and
means for allowing said user to resolve said debt with said creditor;
wherein said transaction community enables interactive exchange of information between said user and said creditor; and
wherein said notice includes an invitation for said user to resolve said debt by accessing said transaction community. - View Dependent Claims (94, 95, 96, 97, 98, 99, 100, 101, 102, 103, 104, 105, 106, 107, 108, 109, 110, 111, 112, 113, 114, 116, 117, 118, 119, 120, 121, 122, 123, 125, 127, 128, 129, 130, 131, 132, 133, 136, 137, 138, 139)
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Specification