System and method of tracking bill payment methods

• US 7,437,324 B1
• Filed: 09/10/2001
• Issued: 10/14/2008
• Est. Priority Date: 09/10/2001
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation
• Inventors: Goodwin, John C. III, Schlieker, Robert Randall
• Primary Examiner(s): Poinvil; Frantzy
• Assistant Examiner(s): GRAHAM, CLEMENT B
• Application Number:
  US09/950,178
• Time in Patent Office: 2,591 Days
• Field of Search: 379/22, 379/2, 379/26.1, 382/139, 705/401, 705/36, 705/40, 705/39, 705/37, 705/34, 705/38, 705/35, 705/26
• US Class Current: 705/37
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

A system and method of tracking bill payment methods which stores details about payment to develop promotions. The system includes a touch screen, keyboard, or other device for recording customer identification information. A display displays payment method options based upon the customer identification information. A touch screen or keyboard for records bill payer selection of one of the payment options. A cash acceptor, check reader, or card reader receives payment in accordance with the one payment option. Finally, a processor determines predetermined details about the payment and stores the details.

Claims

1. A method of tracking methods by which customers elect to make bill payments comprising the steps of:

recording customer identification information at a publicly accessible interface;

displaying payment method options based upon the customer identification information;

recording bill payer selection of one of the payment options;

receiving payment in accordance with the one payment option;

identifying predetermined details about the payment, including details identifying the bill payer'"'"'s choice of the mechanism of tendering payment;

storing the information identifying the bill payer'"'"'s choice of the mechanism for tendering payment in memory;

outputting the predetermined details; and

automatically analyzing the predetermined details including the circumstances surrounding the bill payer'"'"'s tender of payment including the bill payer'"'"'s choice of the mechanism for tendering payment.

2. The method as recited in claim 1, further comprising the step of:

analyzing the predetermined details about the payment to develop promotions.

3. The method as recited in claim 1, wherein the step of receiving payment comprises receiving payment in cash utilizing a cash acceptor to accept cash in multiple denominations.

4. The method as recited in claim 1, wherein the step of receiving payment comprises receiving payment via a card utilizing a card reader.

5. The method as recited in claim 1, wherein the step of receiving payment comprises receiving payment via a check utilizing a check reader.

14. The method of claim 1 wherein the method further comprises:

using information relating to the habits and preferences of the bill payer to identify acceptable changes in billing that would conform more closely to the habits and preferences of the bill payer; and

modifying billing procedures as needed to implement such acceptable changes.

6. A method of tracking methods by which customers elect to make bill payments at a bill payment kiosk comprising the steps of:

recording customer identification information by the kiosk;

displaying payment method options based upon the customer identification information by the kiosk;

recording bill payer selection of one of the payment options by the kiosk;

receiving payment in accordance with the one payment option by the kiosk;

identifying predetermined details about the payment, including identification of the bill payer'"'"'s choice of the mechanism to be used for tendering payment, by the kiosk;

storing the information identifying the bill payer'"'"'s choice of the mechanism for tendering payment;

performing automated analysis of the predetermined details about the payment, the analysis of the predetermined details including automated analysis of the circumstances surrounding the bill payer'"'"'s tender of payment including the bill payer'"'"'s choice of the mechanism for tendering payment, so as to provide information related to bill payer habits and preferences, by the kiosk;

using information relating to the habits and preferences of the bill payer to identify acceptable changes in billing that can be made that would conform more closely to the habits and preferences of the bill payer; and

modifying billing procedures to implement such acceptable changes.

7. A method of tracking methods by which customers elect to make bill payments at a bill payment kiosk comprising the steps of:

recording customer identification information by the kiosk;

displaying payment method options, including cash, based upon the customer identification information by the kiosk;

recording bill payer selection of one of the payment options by the kiosk;

receiving payment in accordance with the one payment option by the kiosk;

identifying predetermined details about the payment, including identifying the bill payer'"'"'s choice of the mechanism to be used for tendering payment, by the kiosk, including the substep of the determining denominations of bills provided as payment;

storing the information identifying the bill payer'"'"'s choice of the mechanism for tendering payment beyond completion of the transaction;

performing automated analysis of the predetermined details about the payment, the analysis of the predetermined details including automated analysis of the circumstances surrounding the bill payer'"'"'s tender of payment including the bill payer'"'"'s choice of the mechanism for tendering payment, so as to provide information relating to bill payer habits and preference, by the kiosk; and

using information relating to the habits and preferences of the bill payer to identify acceptable changes in billing that can be made that would conform more closely to the habits and preferences of the bill payer; and

modifying billing procedures to implement such acceptable changes.

8. A system for paying bills comprising:

means for recording customer identification information;

a display for displaying payment method options based upon the customer identification information;

means for recording bill payer selection of one of the payment options in order to retain information identifying the bill payer'"'"'s choice of the mechanism to be used for tendering payment;

means for receiving payment in accordance with the one payment option; and

a processor for identifying predetermined details about the payment, including details identifying the bill payer'"'"'s choice of the mechanism for tendering payment, and for storing the details, including storing the information identifying the bill payer'"'"'s choice beyond completion of the transaction, the processor being further operative to perform automated analysis of the predetermined details about the payment, the analysis of the predetermined details including automated analysis of the circumstances surrounding the bill payer'"'"'s tender of payment including the bill payer'"'"'s choice of the mechanism for tendering payment, so as to provide information relating to the bill payer'"'"'s habits and preferences, the processor being further operative to use information relating to the habits and preferences of the bill payer to identify acceptable changes in billing that would conform more closely to the habits and preferences of the bill payer and modify billing procedures in order to implement such acceptable changes.

9. A bill payment kiosk comprising:

means for recording customer identification information;

a touch screen for displaying payment method options based upon the customer identification information and for recording bill payer selection of one of the payment options in order to retain information identifying the mechanism chosen by the bill payer for tendering payment;

means for receiving payment in accordance with the one payment option; and

a processor for identifying predetermined details about the payment, including details identifying the bill payer'"'"'s choice of the mechanism to be used for tendering payment, and for storing the details, including storing the identification of the bill payer'"'"'s choice beyond completion of the transaction, the processor being further operative to perform automated analysis of the predetermined details about the payment, the analysis of the predetermined details including automated analysis of the circumstances surrounding the bill payer'"'"'s tender of payment including the bill payer'"'"'s choice of the mechanism for tendering payment.

10. The kiosk as recited in claim 9, wherein the payment receiving means comprises a check reader.

11. The kiosk as recited in claim 9, wherein the payment receiving means comprises a card reader.

12. The kiosk as recited in claim 11, wherein the card reader comprises a debit card reader and wherein the kiosk further comprises a PIN keypad for recording a bill payer PIN during payment by a debit card.

13. The kiosk as recited in claim 9, wherein the payment receiving means comprises a cash acceptor.

15. The kiosk of claim 9 wherein the processor is further operative to analyze information relating to the habits and preferences of the bill payer to identify acceptable changes in billing that would conform more closely to the habits and preferences of the bill payer and to modify billing procedures to implement those acceptable changes.