Electronic statement presentment system

• US 5,963,925 A
• Filed: 10/08/1997
• Issued: 10/05/1999
• Est. Priority Date: 10/09/1996
• Status: Expired due to Term

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Occhino, Michael, Roughgarden, Jeffrey D., Kolling, Ray, Hayward, James T.
• Primary Examiner(s): MacDonald, Allen R.
• Assistant Examiner(s): Jeanty, Romain
• Application Number:
  US08/947,629
• Time in Patent Office: 727 Days
• Field of Search: 705/27, 705/34, 705/40, 705/30, 705/44, 705/39, 705/43, 379/91.01
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

An electronic statement presentment (ESP) system replaces the preparation and mailing of paper statements and invoices from a biller with electronic delivery. Electronic statements have the same look as paper statements as well as including video, audio, graphics, and custom enclosures. Statements are segmented into mandatory and optional components to minimize download time. The ESP system operates independently or is an enhancement to any suitable electronic bill payment system. A central switch computer coordinates template storage, validation, routing and message passing between billers, workstations and consumer financial institutions (CFI). A template authoring workstation (TAWS) creates a template of static biller information to serve as a basis for the electronic statement. The template is stored in a template library at the switch. The switch validates the template by sending it to a template validation workstation (TVAL). Batches of customer statement data are sent from a biller'"'"'s legacy invoicing system to a statement origination workstation (SORG) along with a template identifier. The switch sends the template to the SORG where the customer data is validated by comparison to the template identified. The batch of customer statement data is sorted by a statement generation workstation (SGEN) identifier associated with each customer record. The sorted batches are sent to the switch where they are routed to the appropriate SGEN based upon the SGEN identifier. Each SGEN generates an electronic statement for each customer from the statement data and the appropriate template. A CFI associated with each SGEN delivers each electronic statement to the appropriate customer using a customer identifier in the statement data and uses any chosen medium.

Claims

1. An electronic statement presentment system suitable for delivering an electronic statement from a biller to a customer, said electronic statement presentment system comprising:

an origination workstation arranged to receive customer statement data for a customer from a biller, said customer statement data including a customer identifier and being associated with a template identifier and a consumer service provider identifier;

a switch computer arranged to receive said customer statement data from said origination workstation and to route said customer statement data based upon said associated consumer service provider identifier; and

a generation workstation arranged to receive said customer statement data from said switch computer, said generation workstation being associated with said consumer service provider identifier, said generation workstation being further arranged to receive a template identified by said associated template identifier and to combine said customer statement data and said template to generate an electronic statement.

3. An electronic statement presentment system as recited in claim 1 wherein said switch computer is further arranged to receive batches of customer statement data from at least said origination workstation, said batches of customer statement data being sorted by a batch consumer service provider identifier included with each batch, said switch computer being further arranged to provide said batches of customer statement data to a plurality of consumer service providers based upon said batch consumer service provider identifier included with each batch, whereby said switch computer serves as a centralized switch for a plurality of billers and said plurality of consumer service providers within said electronic statement presentment system.

4. An electronic statement presentment system as recited in claim 1, wherein said electronic statement delivered to said customer includes an invoice and remittance data for said biller, said remittance data having a biller identification, said system further comprising:

an electronic bill payment system integrated within said electronic statement presentment system arranged to receive said remittance data for said biller and to route said remittance data to said biller based upon said biller identification, whereby said customer may electronically pay said invoice included in said electronic statement using said electronic bill payment system.

5. An electronic statement presentment system as recited in claim 1 further comprising:

a template authoring workstation for creating said template, said template including a generation program for generating said electronic statement based upon said template and said customer statement data.

6. An electronic statement presentment system as recited in claim 1 further comprising:

a tracking module associated with said switch computer arranged to monitor messages passed between said biller and said consumer service provider, whereby said tracking module monitors compliance with operating regulations between said biller and said consumer service provider.

7. An electronic statement presentment system as recited in claim 1 wherein said generation workstation is further arranged to provide said electronic statement to a consumer service provider whereby said consumer service provider may deliver said electronic statement to said customer via a medium utilizing said customer identifier.

8. An electronic statement presentment system as recited in claim 7 wherein said medium is one of electronic mail, an internet, television, telephone system, and computer network.

2. An electronic statement presentment system as recited in claim I further comprising:

a template library associated with said switch computer arranged to store at least said template, said template being associated with said template identifier within said template library, said template library being arranged to provide said template to said generation workstation based upon said template identifier, whereby said template library serves as a central repository of templates for at least said generation workstation within said electronic statement presentment system.

9. A computer-implemented method of delivering an electronic statement from a biller to a customer, said method comprising:

receiving customer statement data from a biller for a customer at a central switch computer, said customer statement data including a customer identifier and being associated with a template identifier and a consumer service provider identifier;

routing said customer statement data from said central switch computer to a generation workstation based upon said consumer service provider identifier;

receiving a template identified by said template identifier at said generation workstation;

combining said customer statement data and said template to generate an electronic statement for said customer; and

providing said electronic statement to a consumer service provider.

10. A method as recited in claim 9 wherein said template includes instructions for formatting said customer statement data, said method further comprising:

formatting said customer statement data originating from said biller using said instructions included with said template to produce formatted customer statement data in a form expected by said template for subsequent generation of an electronic statement.

11. A method as recited in claim 9 further comprising:

receiving a plurality of customer statement data from at least said biller, each one of said plurality of customer statement data associated with a batch consumer service provider identifier;

sorting said received plurality of customer statement data into batches of customer statement data using said batch consumer service provider identifier associated with each customer statement data; and

routing said batches of customer statement data from said central switch computer using said batch consumer service provider identifier associated with each batch, whereby said central switch computer serves as a centralized switch for a plurality of billers and a plurality of consumer service providers within said electronic statement presentment system.

12. A method as recited in claim 9 wherein said generated electronic statement delivered to said customer includes an invoice from said biller and remittance data for said biller, said remittance data having a biller identification, said method further comprising:

receiving electronically an invoice pay instruction from said customer including said remittance data; and

routing said remittance data to said biller based upon said biller identification, whereby said customer may electronically pay said invoice included in said electronic statement.

13. A method as recited in claim 9 further comprising:

tracking messages passed between said biller and said consumer service provider, whereby said electronic statement presentment system monitors compliance with operating regulations between said biller and said consumer service provider.

14. A computer-implemented method of delivering electronic statements from a biller to a plurality of customers, said method comprising:

receiving a batch of statement data from a biller having an associated template identifier, said batch of statement data including individual customer statement data for a plurality of customers, each of said customer statement data including an associated customer identifier and being associated with a consumer service provider identifier;

sorting said batch of statement data from said biller based upon said consumer service provider identifier associated with said each customer statement data, said sorting step producing a plurality of sorted batches of customer statement data each having an associated consumer service provider identifier;

routing said sorted batches of customer statement data to a plurality of generation workstations based upon said consumer service provider identifier associated with said each sorted batch of customer statement data; and

combining at least one of said customer statement data with a template identified by said associated template identifier to generate an electronic statement for a customer, whereby said electronic statement may be provided to a consumer service provider for delivery to said customer via a medium utilizing said associated customer identifier.

15. A method as recited in claim 14 further comprising:

receiving a plurality of batches of statement data from a plurality of billers within an electronic statement presentment system;

sorting each of said plurality of batches of statement data from said plurality of billers based upon said consumer service provider identifier associated with said each customer statement data, said sorting step producing a plurality of sorted batches of customer statement data each having an associated consumer service provider identifier; and

routing said sorted batches of customer statement data to a plurality of generation workstations based upon said consumer service provider identifier associated with said each sorted batch of customer statement data, whereby said electronic statement presentment system provides a central switching resource switch for said plurality of billers and said plurality of consumer service providers.

16. A method as recited in claim 14 wherein said generated electronic statement delivered to said customer includes an invoice from said biller and remittance data for said biller, said remittance data having a biller identification, said method further comprising:

receiving electronically an invoice pay instruction from said customer including said remittance data; and

routing said remittance data to said biller based upon said biller identification, whereby said customer may electronically pay said invoice included in said electronic statement.

17. A method as recited in claim 14 further comprising:

tracking messages passed between said biller and said consumer service provider, whereby said method monitors compliance with operating regulations between said biller and said consumer service provider.

18. A computer-implemented method of facilitating the delivery of an electronic statement from a biller to a customer using a central switch, said method comprising:

receiving at said central switch a template having an associated template identifier;

receiving at said central switch customer statement data including a customer identifier and having an associated template identifier and an associated consumer service provider identifier, said customer statement data originating from a biller and representing information to be delivered to a customer from said biller;

determining a generation workstation to which said customer statement data will be sent based upon said associated consumer service provider identifier; and

routing said customer statement data from said central switch to said determined generation workstation based upon said consumer service provider identifier so that said generation workstation combines said customer statement data with said template to produce an electronic statement, whereby said electronic statement may be delivered to said customer via a medium utilizing said associated customer identifier.

19. A method as recited in claim 18 wherein said central switch includes a template library arranged to store at least said template associated with said template identifier, said method further comprising:

receiving at said central switch a plurality of templates each having an associated template identifier and originating from a plurality of billers; and

transmitting said template from said template library to said generation workstation, whereby said template library serves as a central repository of templates for said plurality of billers.

20. A method as recited in claim 18 further comprising:

receiving a plurality of customer statement data from a plurality of billers, each one of said plurality of customer statement data associated with a batch consumer service provider identifier;

sorting said received plurality of customer statement data into batches of customer statement data using said batch consumer service provider identifier associated with each customer statement data;

determining a plurality of generation workstations to which said batches of customer statement data will be sent based upon said associated batch consumer service provider identifier; and

routing said batches of customer statement data using said batch consumer service provider identifier to said plurality of generation workstations, whereby said central switch serves as a central resource for said plurality of billers.

21. A method as recited in claim 18 wherein said produced electronic statement delivered to said customer includes an invoice from said biller and remittance data for said biller, said remittance data having a biller identification, said method further comprising:

receiving electronically an invoice pay instruction from said customer including said remittance data; and

routing said remittance data to said biller based upon said biller identification, whereby said customer may electronically pay said invoice included in said electronic statement.

22. A method as recited in claim 18 further comprising:

tracking messages passed between said biller and said consumer service provider to monitors compliance with operating regulations between said biller and said consumer service provider.

23. A computer-implemented method of generating an electronic statement for delivery to a customer of a biller, said method comprising:

receiving customer statement data for a customer of a biller at a generation workstation, said customer statement data including periodic information desired by said biller to be delivered to said customer and having an associated template identifier and an associated customer identifier;

selecting a template identified by said template identifier associated with said customer statement data, said template including static information desired by said biller to be delivered to said customer;

a combining step for performing the function of combining said customer statement data and said template to generate an electronic statement for said customer, said electronic statement including said periodic information and said static information; and

providing said electronic statement to a consumer service provider associated with said customer, whereby said consumer service provider delivers said electronic statement to said customer via a medium utilizing said associated customer identifier.

24. A method as recited in claim 23 wherein said combining step is performed by:

executing a generation program included with said template.

25. A method as recited in claim 23 wherein said step of selecting a template includes the sub-steps of:

determining whether said template identified by said template identifier is present at said generation workstation; and

wherein when it is determined that said template is not present at said generation workstation, said method includes requesting said template identified by said template identifier from a template library located within a central computer, whereby said template library serves as a central repository of templates for at least said biller.

26. A method as recited in claim 23 further comprising:

receiving customer statement data for a plurality of customers originating from a plurality of billers, said customer statement data being routed to said generation workstation using a consumer service provider identifier associated with each customer statement data;

generating electronic statements for said customers; and

providing said electronic statements to said customers utilizing said associated customer identifiers, whereby said electronic statements for said plurality of billers are delivered to said customers by said generation workstation.

27. A method as recited in claim 23 wherein said generated electronic statement delivered to said customer includes an invoice from said biller and remittance data for said biller, said remittance data having a biller identification, said method further comprising:

receiving electronically an invoice pay instruction from said customer including said remittance data; and

routing said remittance data to said biller based upon said biller identification, whereby said customer may electronically pay said invoice included in said electronic statement.

28. A method as recited in claim 23 wherein said combining step includes the sub-step of:

identifying an enclosure within said static information of said template corresponding to said customer identifier; and

producing said enclosure within said generated electronic statement.

29. A generation computer apparatus for generating an electronic statement for delivery to a customer of a biller, said generation computer apparatus comprising:

a receiving mechanism for receiving customer statement data for a customer of a biller, said customer statement data including periodic information desired by said biller to be delivered to said customer and having an associated template identifier and an associated customer identifier;

a template embodied in a computer-readable medium and identified by said template identifier associated with said customer statement data, said template including static information desired by said biller to be delivered to said customer; and

a combining mechanism for combining said customer statement data and said template to generate an electronic statement for said customer, said electronic statement including said periodic information and said static information, whereby said electronic statement is provided to a consumer service provider associated with said customer for delivery to said customer via a medium utilizing said associated customer identifier.

30. A computer-implemented method of sorting statement data from a biller having a plurality of customers, said method comprising:

receiving a batch of statement data from a biller including a template identifier, said batch of statement data including individual customer statement data for said plurality of customers, each of said customer statement data including an associated customer identifier and being associated with a consumer service provider identifier;

sorting said batch of statement data from said biller based upon said consumer service provider identifier associated with said each customer statement data, said sorting producing a plurality of sorted batches of customer statement data each having an associated consumer service provider identifier; and

transmitting said sorted batches of customer statement data to a central switch computer for distribution to a plurality of consumer service providers based upon said associated consumer service provider identifier, whereby each of said individual customer statement data may be combined with a template identified by said corresponding template identifier to generate an electronic statement for delivery to one of said customers utilizing said associated customer identifier.

31. A method as recited in claim 30 for formatting said individual customer statement data, said method further comprising:

identifying said template identified by said template identifier, said template including instructions for formatting said received customer statement data; and

formatting said customer statement data originating from said biller using said instructions included with said identified template to produce formatted customer statement data in a form expected by said template for subsequent generation of an electronic statement.

32. A method as recited in claim 30 wherein said step of receiving a batch includes receiving a batch of statement data from each of a plurality of billers, and wherein said step of sorting said batch includes sorting said batches of statement data from said plurality of billers, whereby electronic statements from said plurality of billers may be delivered to customers of said plurality of billers.

33. A method as recited in claim 30 wherein each of said individual customer statement data includes remittance data, whereby said customer may electronically pay an invoice included in said electronic statement using an electronic bill payment system.

34. An origination computer apparatus suitable for sorting statement data from a biller having a plurality of customers, said origination computer apparatus comprising

a receiving mechanism for receiving a batch of statement data from a biller, said batch of statement data being associated with a template identifier and including individual customer statement data for said plurality of customers, each of said customer statement data including an associated customer identifier and being associated with a consumer service provider identifier;

a sorting mechanism for sorting said batch of statement data from said biller based upon said consumer service provider identifier associated with said each customer statement data, said sorting mechanism arranged to produce a plurality of sorted batches of customer statement data each having an associated consumer service provider identifier; and

a transmitting mechanism for transmitting said sorted batches of customer statement data to a central switch computer for distribution to a plurality of consumer service providers based upon said associated consumer service provider identifier, whereby each of said individual customer statement data may be combined with a template identified by said corresponding template identifier to generate an electronic statement for delivery to one of said customers utilizing said associated customer identifier.

35. An origination computer apparatus as recited in claim 34 further comprising:

a subscription table for each customer, each subscription table including subscription data for each customer including said associated customer identifier and said associated consumer service provider identifier, whereby said consumer service provider identifier for each customer is determined by reference to said subscription table.

36. A computer-implemented method of creating a template for delivery to a customer of a biller as part of an electronic statement, said biller associated with an accounts system including at least one customer record of customer statement data having a plurality of data fields, said method comprising:

identifying a subset of said data fields in said customer record for inclusion in said template, said subset of said data fields representing a portion of said customer statement data that said biller desires to deliver to said customer in said electronic statement;

producing a template database describing said subset of data fields and their relationships to one another in said electronic statement;

producing a generation program arranged to generate said electronic statement utilizing said portion of said customer statement data and said template database; and

grouping said template database and said generation program into said template, whereby said template is subsequently combined with said portion of said customer statement data from said biller accounts system to generate said electronic statement for delivery to said customer.

37. A method as recited in claim 36 further comprising:

receiving a graphic design of a visual representation of said electronic statement describing placement of said portion of said customer statement data and placement of graphic elements; and

wherein

said step of producing a generation program further utilizes said graphic design; and

wherein

said step of grouping further groups a subset of said graphic elements into said template.

38. A method as recited in claim 36 further comprising:

producing a parsing program for formatting said customer statement data originating from said biller, said parsing program arranged to produce formatted customer statement data in a form expected by said template for subsequent generation of said electronic statement; and

wherein said step of grouping further groups said parsing program into said template.

39. A method as recited in claim 36 further comprising:

transmitting said template to a template library, said template library serving as a central resource for templates created by a plurality of billers in an electronic statement presentment system.

40. A method as recited in claim 36 further comprising:

identifying remittance data fields for inclusion in said template; and

wherein

said step of grouping further groups said remittance data fields into said template, whereby said customer may pay an invoice included in said electronic statement using remittance data in said remittance data fields.

41. A method as recited in claim 36 further comprising:

identifying an enclosure for inclusion in said electronic statement based upon a customer identifier of said customer; and

wherein

said step of grouping further groups an identifier for said enclosure into said template, whereby said generated electronic statement includes said enclosure for said customer.

42. A template data structure embodied in a computer-readable medium suitable for generating an electronic statement for delivery to a customer of a biller, said biller associated with an accounts system including at least one customer record of customer statement data having a plurality of data fields, said template data structure comprising:

a template database indicating a subset of said data fields from said customer record and indicating relationships between data fields in said subset of said data fields, said subset of said data fields representing a portion of said customer record that said biller desires to deliver to said customer in said electronic statement;

placement instructions indicating data locations for said portion of said customer record within said electronic statement; and

a generation program arranged to generate said electronic statement utilizing said template database, said placement instructions and said portion of said customer record, whereby said template data structure is subsequently combined with said portion of said customer record from said biller accounts system to generate said electronic statement for delivery to said customer.

43. A template data structure as recited in claim 42 further comprising:

parsing instructions for formatting said portion of said customer record into a format compatible with said template database, wherein said generation program is further arranged to utilize said formatted portion of said customer record to generate said electronic statement.

44. A template data structure as recited in claim 42 further comprising:

a graphical resource for inclusion in said electronic statement, wherein said generation program is further arranged to utilize said graphical resource to generate said electronic statement.

45. A template data structure as recited in claim 42 further comprising:

an enclosure; and

a condition for including said enclosure in said electronic statement, wherein said generation program is further arranged to utilize said condition to generate said electronic statement.

46. A template data structure as recited in claim 42 further comprising:

remittance data fields identifying remittance data to be included in said electronic statement, wherein said generation program is further arranged to utilize said remittance data fields to generate said electronic statement, whereby said customer may pay an invoice included in said electronic statement using said remittance data in said remittance data fields.