Selective noticing of availability of an electronic bill

• US 20040088254A1
• Filed: 11/01/2002
• Published: 05/06/2004
• Est. Priority Date: 11/01/2002
• Status: Abandoned Application

• Current Assignee: Checkfree Corporation (Fiserv Incorporated)
• Original Assignee: Checkfree Corporation (Fiserv Incorporated)
• Inventors: McCoy, Randal A., Kozee, Casey W., McMichael, William R. Jr., Frech, John J., Zielke, William D.
• Application Number:
  US10/285,669
• Publication Number:
  US 20040088254A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

A technique for selectively notifying customers of a biller of the availability of electronic presentment of bills of the biller is provided. Customer identity information of a plurality of customers of a biller is received. Each of the customers is eligible for electronic presentment of bills of the biller. Consumer identity information of a plurality of consumers is received. Each of these consumers is known to be capable of receipt of electronically presented bills. This consumer identity information does not include information identifying biller. The customers that are also consumers are identified and a notice of availability of electronic presentment of bills of the biller is made to only those identified customers.

Claims

1. A method for selectively notifying customers of a biller of the availability of electronic presentment of bills of the biller, comprising:

receiving first information identifying a plurality of customers of a biller, each customer eligible to receive electronic presentment of bills of the biller;

receiving, from an entity other than the biller, second information identifying a plurality of consumers each known to be capable of receipt of electronically presented bills, the second information excluding any information identifying the biller;

identifying those of the plurality of customers who are also one of the plurality of consumers; and

transmitting a notice of availability of electronic presentment of the bills of the biller to only those of the plurality of customers identified as customers who are also one of the plurality of consumers.

2. The method of claim 1, wherein those identified customers include a first customer, and further comprising:

activating electronic presentment of bills of the biller for the first customer subsequent to identifying the first customer;

wherein the activation is performed without the first customer requesting to electronically receive bills of the biller.

3. The method of claim 2, wherein the activation is performed based upon a lack of receipt of a customer response to the notice transmitted to the first customer.

4. The method of claim 1, wherein each transmitted notice is transmitted via a network by one of an electronic bill presentment service provider and the biller.

5. The method of claim 4, wherein:

those identified customers include a first customer;

a first notice is transmitted by the electronic bill presentment service provider to the first customer; and

the first notice is structured according to a message template determined by the biller.

6. The method of claim 5, wherein:

the transmitted first notice includes one of a first selectable Hyper-link for declining electronic presentment of bills of the biller and a second selectable Hyper-link for activating electronic presentment of bills of the biller; and

if the selectable Hyper-link is the first selectable Hyper-link, electronic presentment of bills of the biller is activated for the customer receiving the first notice unless the first selectable Hyper-link is selected by that customer.

7. The method of claim 1, wherein:

the first information is received from the biller;

the second information is received from an E-mail list provider;

the second information includes a plurality of E-mail addresses, each of the plurality of E-mail addresses associated with a respective one of the plurality of consumers; and

each transmitted notice is transmitted via a network to the one of the plurality of E-mail address associated with an identified customer to whom each respective notice is directed.

8. The method of claim 1, wherein:

the received first information includes bill information of the biller for at least a first of the plurality of customers;

the first customer is identified as one of the plurality of consumers;

an electronic bill presentment service provider transmits the notice to the first customer via a network; and

the notice transmitted to the first customer includes the bill information for the first customer.

9. The method of claim 1, wherein:

the information identifying each of the plurality of customers included in the first information includes at least one of a customer name, a customer address, a customer telephone number, and a customer social security number; and

the information identifying each of the plurality of consumers included in the second information includes at least one of a consumer name, a consumer address, a consumer telephone number, and a consumer social security number.

10. The method of claim 1, further comprising:

determining which of those customers identified as one of the plurality of consumers are associated with a demographic criteria specified by the biller;

wherein a notice is transmitted to only those of the identified customers determined to be associated with the specified criteria at a time determined by the biller.

11. The method of claim 1, wherein:

identifying those of the plurality of customers who are also one of the plurality of consumers includes accessing third information; and

the third information is associated with providing a payment service to a plurality of payors.

12. A system for selectively notifying customers of a biller of the availability of electronic presentment of bills of the biller, comprising:

a communications interface configured to receive first information identifying a plurality of customers of a biller, each customer eligible to receive electronic presentment of bills of the biller, to receive, from an entity other than the biller, second information identifying a plurality of consumers each known to be capable of receipt of electronically presented bills, the second information excluding any information identifying the biller, and to transmit at least one notice of the availability of electronic presentment of bills of the biller; and

a processor configured to identify those of the plurality of customers who are also one of the plurality of consumers, and to cause a notice of availability of electronic presentment of the bills of the biller to be transmitted to only those of the plurality of customers identified as who are also one of the plurality of consumers.

13. The system of claim 12, wherein:

those identified customers include a first customer;

the processor is further configured to activate electronic presentment of bills of the biller for the first customer subsequent to identifying the first customer; and

the activation is performed without the first customer requesting to electronically receive bills of the biller.

14. The system of claim 13, wherein the activation is performed based upon lack of receipt of a customer response to the notice transmitted to the first customer.

15. The system of claim 12, wherein each transmitted notice is transmitted by one of an electronic bill presentment service provider and the biller.

16. The system of claim 15, further comprising:

a memory associated with an electronic bill presentment service provider and configured to store at least one message template determined by the biller;

wherein those identified customers include a first customer; and

wherein a first notice is transmitted by the electronic bill presentment service provider communications interface via a network to the first customer;

wherein the first notice is structured according to the stored message template.

17. The system of claim 16, wherein:

the transmitted first notice includes one of a first selectable Hyper-link for declining electronic presentment of bills of the biller and a second selectable Hyper-link for activating electronic presentment of bills of the biller; and

if the selectable Hyper-link is the first selectable Hyper-link, electronic presentment of bills of the biller is activated for the customer receiving the first notice unless the first selectable Hyper-link is selected by that customer.

18. The system of claim 12, wherein:

the first information is received from the biller;

the second information is received from an E-mail list provider;

the second information includes a plurality of E-mail addresses, each of the plurality of E-mail addresses associated with a respective one of the plurality of consumers; and

each transmitted notice is transmitted via a network to the one of the plurality of E-mail address associated with an identified customer to whom each respective notice is directed.

19. The system of claim 12, wherein:

the received first information includes bill information of the biller for at least a first of the plurality of customers;

the first customer is identified as one of the plurality of consumers;

an electronic bill presentment service provider transmits the notice to the first customer via a network; and

the notice transmitted to the first customer includes the bill information for the first customer.

20. The system of claim 12 wherein:

the information identifying each of the plurality of customers included in the first information includes at least one of a customer name, a customer address, a customer telephone number, and a customer social security number; and

the information identifying each of the plurality of consumers included in the second information includes at least one of a consumer name, a consumer address, a consumer telephone number, and a consumer social security number.

21. The system of claim 12, wherein:

the processor is further configured to determine which of those customers identified as one of the plurality of consumers are associated with a demographic criteria specified by the biller; and

a notice is transmitted to only those of the identified customers determined to be associated with the specified criteria at a time determined by the biller.

22. The system of claim 12, wherein:

the processor is further configured to accessing third information in identifying those of the plurality of customers who are also one of the plurality consumers; and

the third information is associated with providing a payment service to a plurality of payors.