System and Method for Enrolling Individuals in an Automated Payment Plan
First Claim
1. A system for enrolling check-writing customers in an automated payment program for paying recurring bills from a merchant with a financial presentation device (FPD) instead of a check, the FPD being presentable to the merchant for purchase of goods or services, the system comprising:
- a memory;
a processor;
an enrollment module executable by the processor and adapted to;
receive identification data of a plurality of customers that pay recurring bills by paper checks and store the received identification data in the memory;
receive indications from a portion of the identified customers of a desire to enroll in the automated payment program for paying the recurring bills with FPDs instead of the paper checks; and
generate and store in the memory, based on the received indications, enrollment information for submission to the merchant, the enrollment information including customer identifiers for the customers that have indicated the desire to enroll so as to enable the merchant to enroll the customers in the automated payment program.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for enrolling check-writing customers in an automated payment program for paying recurring bills from a merchant with a financial presentation device (FPD) such as a debit or credit card instead of a check. An enrollment module receives a list of target customers that pay recurring bills by paper checks. An enrollment form is then sent out to the targeted customers. The enrollment form preferably requires minimal effort by the customer, for instance, requiring only a signature. Responsive to the enrollment forms that have been returned by the targeted customers which signify their desire to enroll in the automated payment program, the enrollment module receives a list of such customers. Based on the received list of customers, the enrollment module generates enrollment information which is sufficient to enable the merchant to enroll the customers in the automated payment program.
51 Citations
26 Claims
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1. A system for enrolling check-writing customers in an automated payment program for paying recurring bills from a merchant with a financial presentation device (FPD) instead of a check, the FPD being presentable to the merchant for purchase of goods or services, the system comprising:
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a memory; a processor; an enrollment module executable by the processor and adapted to; receive identification data of a plurality of customers that pay recurring bills by paper checks and store the received identification data in the memory; receive indications from a portion of the identified customers of a desire to enroll in the automated payment program for paying the recurring bills with FPDs instead of the paper checks; and generate and store in the memory, based on the received indications, enrollment information for submission to the merchant, the enrollment information including customer identifiers for the customers that have indicated the desire to enroll so as to enable the merchant to enroll the customers in the automated payment program. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for enrolling check-writing customers in an automated payment program for paying recurring bills from a merchant with a financial presentation device (FPD) instead of a check, the FPD being presentable to the merchant for purchase of goods or services, the system comprising:
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a memory; a processor; an enrollment module executable by the processor and adapted to; receive identification data, of a plurality of customers that pay recurring bills by paper checks and that also hold at least one FPD, and store the received identification data in the memory; receive indications from a portion of the identified customers of a desire to enroll in the automated payment program for paying the recurring bills with FPDs instead of the paper checks; and generate and store in the memory, based on the received indications, enrollment information for submission to the merchant, the enrollment information including customer identifiers and FPD identifiers for the customers that have indicated the desire to enroll so as to enable the merchant to enroll the customers in the automated payment program. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. A method of enrolling check-writing customers in an automated payment program for paying recurring bills from a merchant with a financial presentation device (FPD) instead of a check, the FPD being presentable to the merchant for purchase of goods or services, the method comprising:
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receiving identification data of a plurality of customers that pay recurring bills by paper checks and storing the received identification data in a memory of a computer; receiving, by the computer, indications from a portion of the identified customers of a desire to enroll in the automated payment program for paying the recurring bills with FPDs instead of the paper checks; and generating by the computer, based on the received indications, enrollment information for submission to the merchant, the enrollment information including customer identifiers for the customers that have indicated the desire to enroll so as to enable the merchant to enroll the customers in the automated payment program. - View Dependent Claims (21, 22, 23, 24, 25, 26)
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Specification