PROVIDER RELATIONSHIP MANAGEMENT SYSTEM THAT FACILITATES INTERACTION BETWEEN AN INDIVIDUAL AND ORGANIZATIONS

• US 20110218912A1
• Filed: 01/05/2011
• Published: 09/08/2011
• Est. Priority Date: 02/24/2009
• Status: Abandoned Application

• Current Assignee: Doxo, Incorporated
• Original Assignee: Doxo, Incorporated
• Inventors: Parks, Roger, Goris, Mark, Shivers, Steve
• Application Number:
  US12/984,854
• Publication Number:
  US 20110218912A1
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking

Abstract

A provider relationship management system (“PRM system”) is disclosed that enables an individual to electronically interact with organizations. The PRM system allows individuals to add organizations to a personal provider directory. The individual may seek to establish an interactive connection with one or more organizations in the personal provider directory. If a selected organization agrees to establish an interactive connection with the individual, the organization is permitted to communicate with and send electronic documents to the individual. Each document is associated with a document type, and the document type is associated with certain actions that may be taken with respect to the corresponding document. Pay documents are associated with an action to transfer monetary value from an individual to an organization. The PRM system allows an account associated with an individual to be debited and an account associated with an organization to be credited to satisfy a pay document.

Claims

1. A method for enabling the transfer of monetary value from an individual to an organization, the method performed by a computing system having a processor and a memory, the method comprising:

receiving from an individual an indication of a desire to receive electronic documents from a sending organization;

receiving from the individual information that identifies the individual to the sending organization;

providing to the sending organization the indication of the desire of the individual to receive electronic documents from the sending organization and the information that identifies the individual to the sending organization;

receiving from the sending organization an approval of the individual;

enabling the sending organization to send electronic documents to the individual after the approval from the sending organization has been received;

receiving from the sending organization an indication of a desire to allow the transfer of monetary value to an account associated with the sending organization;

receiving from the individual an indication of a desire that monetary value be transferable from an account associated with the individual; and

enabling the transfer of monetary value from the account associated with the individual to the account associated with the sending organization upon receipt from the individual of a payment instruction associated with an electronic document.

2. The method of claim 1, further comprising:

receiving an electronic document from the sending organization that is addressed to the individual;

presenting the received electronic document to the addressed individual;

presenting to the individual one or more allowed actions associated with the document type of the received electronic document, wherein at least one of the allowed actions is to transfer monetary value to the sending organization;

receiving from the individual a selection of the action to transfer monetary value to the sending organization; and

debiting the account associated with the individual and crediting the account associated with the sending organization.

3. The method of claim 1, wherein the indication of a desire that monetary value be transferable from an account associated with the individual includes a selection of a document type for which monetary value is transferable.

4. The method of claim 1, wherein the indication of a desire that monetary value be transferable from an account associated with the individual includes a selection of a set of documents for which monetary value is transferable.

5. The method of claim 1, further comprising:

receiving an electronic document from the sending organization that is addressed to the individual;

presenting the received electronic document to the addressed individual;

presenting to the individual one or more allowed actions associated with the document type of the received electronic document, wherein at least one of the allowed actions is an action is to transfer monetary value to the sending organization;

receiving from the individual a selection of the action to transfer monetary value to the sending organization;

receiving from the individual an identification of an amount of monetary value that is to be transferred to the sending organization; and

debiting the account associated with the individual by the received amount and crediting the account associated with the sending organization by the received amount.

6. The method of claim 5, wherein the amount is less than a full amount identified by the document.

7. The method of claim 1, wherein the payment instruction is in response to a message sent to the individual.

8. The method of claim 7, wherein the message is a text message or an email message.

9. A system for transferring monetary value from an individual to an organization, the system comprising:

a user interface module that is configured to;

receive from an individual an indication of a desire to receive electronic documents from a sending organization;

receive from the individual information that identifies the individual to the sending organization; and

receive from the individual an indication of a desire that monetary value be transferable from an account associated with the individual;

an organization interface module that is configured to;

provide to the sending organization the indication of the desire of the individual to receive electronic documents from the sending organization and the information that identifies the individual to the sending organization;

receive from the sending organization an approval of the individual; and

receive from the sending organization an indication of a desire to allow the transfer of monetary value to the account associated with the sending organization; and

an interaction management module that is configured to;

enable the sending organization to send electronic documents to the individual after the approval from the sending organization has been received; and

enable the transfer of monetary value from the account associated with the individual to the account associated with the sending organization upon receipt from the individual of a payment instruction associated with an electronic document.

10. The system of claim 9, further comprising a document management module that is configured to receive an electronic document from the sending organization that is addressed to an individual, wherein:

the user interface module is further configured to;

present the received electronic document to the addressed individual;

present to the individual one or more allowed actions associated with the document type of the received electronic document, wherein at least one of the allowed actions is an action to transfer monetary value to the sending organization; and

receive from the individual a selection of the action to transfer monetary value to the sending organization; and

the interaction management module is further configured to debit the account associated with the individual and credit the account associated with the sending organization.

11. The system of claim 9, wherein the indication of a desire that monetary value be transferable from an account associated with the individual includes a selection of a document type for which monetary value is transferable.

12. The system of claim 9, wherein the indication of a desire that monetary value be transferable from an account associated with the individual includes a selection of a set of documents for which monetary value is transferable.

13. The system of claim 9, further comprising a document management module that is configured to receive an electronic document from the sending organization that is addressed to an individual, wherein:

the user interface module is further configured to;

present the received electronic document to the addressed individual;

present to the individual one or more allowed actions associated with the document type of the received electronic document, wherein at least one of the allowed actions is an action is to transfer monetary value to the sending organization;

receive from the individual a selection of the action to transfer monetary value to the sending organization; and

receive from the individual an identification of an amount of monetary value that is to be transferred to the sending organization; and

the interaction management module is further configured to debit the account associated with the individual by the received amount and credit the account associated with the sending organization by the received amount.

14. The system of claim 13, wherein the amount is less than a full amount identified by the document.

15. The system of claim 9, further comprising a notification component configured to send an indication to the individual when an electronic document has been received from the sending organization.

16. The system of claim 15, wherein the indication to the individual that the electronic document has been received is sent via text message or email message.

17. A computer-readable storage medium encoded with instructions that, when executed by a processor, cause the processor to implement a method for enabling the transfer of monetary value from an individual to an organization, the method comprising:

receiving from an individual an indication of a desire to receive electronic documents from a sending organization;

receiving from the individual information that identifies the individual to the sending organization;

providing to the sending organization the indication of the desire of the individual to receive electronic documents from the sending organization and the information that identifies the individual to the sending organization;

receiving from the sending organization an approval of the individual;

enabling the sending organization to send electronic documents to the individual after the approval from the sending organization has been received;

receiving from the sending organization an indication of a desire to allow the transfer of monetary value to the account associated with the sending organization;

receiving from the individual an indication of a desire that monetary value be transferable from an account associated with the individual; and

enabling the transfer of monetary value from the account associated with the individual to the account associated with the sending organization upon receipt from the individual of a payment instruction associated with an electronic document.

18. The computer-readable storage medium of claim 17, further comprising:

receiving an electronic document from the sending organization that is addressed to the individual;

presenting the received electronic document to the addressed individual;

presenting to the individual one or more allowed actions associated with the document type of the received electronic document, wherein at least one of the allowed actions is to transfer monetary value to the sending organization;

receiving from the individual a selection of the action to transfer monetary value to the sending organization; and

debiting the account associated with the individual and crediting the account associated with the sending organization.

19. The computer-readable storage medium of claim 17, wherein the indication of a desire that monetary value be transferable from an account associated with the individual includes a selection of a document type for which monetary value is transferable.

20. The computer-readable storage medium of claim 17, wherein the indication of a desire that monetary value be transferable from an account associated with the individual includes a selection of a set of documents for which monetary value is transferable.

21. The computer-readable storage medium of claim 17, further comprising:

receiving an electronic document from the sending organization that is addressed to the individual;

presenting the received electronic document to the addressed individual;

presenting to the individual one or more allowed actions associated with the document type of the received electronic document, wherein at least one of the allowed actions is an action is to transfer monetary value to the sending organization;

receiving from the individual a selection of the action to transfer monetary value to the sending organization;

receiving from the individual an identification of an amount of monetary value that is to be transferred to the sending organization; and

debiting the account associated with the individual by the received amount and crediting the account associated with the sending organization by the received amount.

22. The computer-readable storage medium of claim 21, wherein the amount is less than a full amount identified by the document.

23. The computer-readable storage medium of claim 17, wherein the payment instruction is in response to a message sent to the individual.

24. The computer-readable storage medium of claim 23, wherein the message is a text message or an email message.