Billing statement customer acquisition system

• US 7,467,745 B2
• Filed: 06/09/2006
• Issued: 12/23/2008
• Est. Priority Date: 12/01/1997
• Status: Expired due to Fees

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: Walker Digital LLC (Walker Innovation Inc. (f/k/a Patent Properties, Inc.))
• Inventors: Tedesco, Daniel E., Jorasch, James A., Walker, Jay S.
• Primary Examiner(s): Le, Thien Minh
• Application Number:
  US11/423,261
• Publication Number:
  US 20060218093A1
• Time in Patent Office: 928 Days
• Field of Search: 235/380, 235/375, 340/825.31, 705/34, 705/35, 705/14, 705/40, 705/10
• US Class Current: 235/380
• CPC Class Codes: B42D 15/00 Printed matter of special format or style not otherwise provided for
• 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 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A customer acquisition system is disclosed that allows an offeror service provider to acquire new customers by making acquisition offers to customers through the billing statements of other businesses (“billing statement issuers”). An “acquisition offer” is an offer by the offeror service provider to pay an amount owed by the customer to the billing statement issuer, or a portion thereof, provided the customer agrees to become a customer of the offeror service provider. Predetermined criteria are used to automatically include an acquisition offer for eligible potential new customers of the offeror service provider with a billing statement or on associated promotional materials, and allows the customer to accept the acquisition offer using the billing statement. The customer acquisition system optionally ensures that the customer is not an existing customer of the offeror service provider before extending an acquisition offer. The acquisition offers can be tailored to the amount owed by the customer, and targeted to customers based on financial, geographic or historical data.

Claims

1. A method comprising:

selecting a customer account record of a first entity, the customer account record including a customer identifier and an amount due;

determining if an individual associated with the customer identifier is a customer of a second entity; and

providing, if the individual is not a customer of the second entity, an acquisition offer via a billing statement to the individual that includes an offer to pay at least a portion of the amount due in exchange for a promise from the individual to become a customer of the second entity.

2. The method of claim 1, further comprising:

receiving an acceptance of the offer from the individual; and

transferring the at least a portion of the amount due from the second entity to the first entity in accordance with the acquisition offer.

3. The method of claim 2, further comprising providing an updated amount due to the individual.

4. The method of claim 2, in which receiving an acceptance of the offer comprises receiving the billing statement having an indication from the individual of a promise to become a customer of the second entity.

5. The method of claim 1, in which selecting the customer account record comprises determining if the individual satisfies predetermined criteria for receiving the acquisition offer.

6. The method of claim 5, wherein the predefined criteria comprises at least one of geographic conditions, demographic conditions, or financial conditions.

7. The method of claim 1, in which selecting the customer account record comprises at least one of randomly selecting a customer account record, or selecting a customer account record in a sequential order.

8. The method of claim 1, in which selecting the customer account record further comprises determining whether the amount due satisfies predefined criteria for receiving the acquisition offer.

9. The method of claim 8, wherein the predefined criteria for receiving the acquisition offer includes an amount due that is less than or equal to a maximum amount specified by the second entity.

10. The method of claim 1, wherein a provision of the acquisition offer comprises a requirement that the individual remains a customer of the second entity for a predefined minimum period of time.

11. A computer readable medium storing instructions configured to direct a processor to:

select a customer account record of a first entity, the customer account record including a customer identifier and an amount due;

determine if an individual associated with the customer identifier is a customer of a second entity; and

provide, if the individual is not a customer of the second entity, an acquisition offer via a billing statement to the individual that includes an offer to pay at least a portion of the amount due in exchange for a promise from the individual to become a customer of the second entity.

12. The computer readable medium of claim 11, which further comprises instructions configured to direct the processor to:

receive an acceptance of the offer from the individual; and

transfer the at least a portion of the amount due from the second entity to the first entity in accordance with the acquisition offer.

13. The computer readable medium of claim 12, which further comprises instructions configured to direct the processor to provide an updated amount due to the individual.

14. The computer readable medium of claim 12, in which the instructions for receiving an acceptance of the offer from the individual includes instructions configured to direct the processor to receive the billing statement having an indication from the individual of a promise to become a customer of the second entity.

15. The computer readable medium of claim 11, in which the instructions for selecting the customer account record includes instructions configured to direct the processor to determine if the individual satisfies predetermined criteria for receiving the acquisition offer.

16. The computer readable medium of claim 15, which further comprises instructions configured to direct the processor to determine if the individual satisfies the predetermined criteria based on at least one of geographic conditions, demographic conditions, or financial conditions.

17. The computer readable medium of claim 11, in which the instructions for selecting the customer account record includes instructions configured to direct the processor to at least one of randomly select a customer account record, or select a customer account record in a sequential order.

18. The computer readable medium of claim 11, in which the instructions for selecting the customer account record includes instructions configured to direct the processor to determine whether the amount due satisfies predefined criteria for receiving the acquisition offer.

19. The computer readable medium of claim 18, which further comprises instructions configured to direct the processor to determine if the individual satisfies the predefined criteria based on whether an amount due is less than or equal to a maximum amount specified by the second entity.

20. The computer readable medium of claim 11, which further comprises instructions configured to direct the processor to determine that the individual agrees to remain a customer of the second entity for a predefined minimum period of time prior to authorizing payment of an acquisition fee.

21. A system, comprising:

a data storage device; and

a processor operatively coupled to the data storage device, the processor configured to;

select a customer account record of a first entity, the customer account record including a customer identifier and an amount due;

determine if an individual associated with the customer identifier is a customer of a second entity; and

provide, if the individual is not a customer of the second entity, an acquisition offer via a billing statement to the individual that includes an offer to pay at least a portion of the amount due in exchange for a promise from the individual to become a customer of the second entity.

22. The system of claim 21, wherein the data storage device comprises at least one of a billing cycle program and at least one database.

23. The system of claim 22, wherein the at least one database comprises at least one of an offeror service provider rules database, an offer status database, or an offeror service provider customer database.

24. A computer readable medium storing instructions configured to direct a processor to:

receive an offer with a billing statement to have at least a portion of an amount due paid by a third party in exchange for becoming a customer of the third party;

transmit an indication of acceptance of the offer for the third party to pay at least a portion of the amount due;

become a customer of the third party; and

receive an indication that the third party paid the at least a portion of the amount due.

25. The computer readable medium of claim 24, which further comprises instructions configured to direct the processor to transmit an indication of agreement to become a customer of the third party for a predefined minimum period of time.

26. A system, comprising:

a data storage device; and

a processor operatively coupled to the data storage device, the processor configured to;

receive an offer with a billing statement to have at least a portion of an amount due paid by a third party in exchange for becoming a customer of the third party;

transmit an indication of acceptance of the offer for the third party to pay at least a portion of the amount due;

become a customer of the third party; and

receive an indication that the third party paid the at least a portion of the amount due.

27. The system of claim 26, wherein the data storage device comprises at least one of a billing cycle program and at least one database.

28. The system of claim 27, wherein the at least one database comprises at least one of an offeror service provider rules database, an offer status database, or an offeror service provider customer database.

29. A computer readable medium storing instructions configured to direct a processor to:

receive data that indicates a third party and a maximum amount that the third party will pay for receiving a new customer;

select a credit card account from a plurality of credit card accounts, the credit card account indicating a customer, an outstanding balance, and a minimum amount due;

determine whether the minimum amount due is less than or equal to the maximum amount;

transmit a billing statement to the customer that includes an offer to the customer to become a customer of the third party if the minimum amount due is less than or equal to the maximum amount;

receive an acceptance of the offer from the customer; and

apply the minimum amount due to the credit card account in response to the received acceptance without receiving the minimum amount due from the customer.

30. A system, comprising:

a data storage device; and

a processor operatively coupled to the data storage device, the processor configured to;

receive data that indicates a third party and a maximum amount that the third party will pay for receiving a new customer;

select a credit card account from a plurality of credit card accounts, the credit card account indicating a customer, an outstanding balance, and a minimum amount due;

determine whether the minimum amount due is less than or equal to the maximum amount;

transmit a billing statement to the customer that includes an offer to the customer to become a customer of the third party if the minimum amount due is less than or equal to the maximum amount;

receive an acceptance of the offer from the customer; and

apply the minimum amount due to the credit card account in response to the received acceptance without receiving the minimum amount due from the customer.

31. A computer readable medium storing instructions configured to direct a processor to:

transmit a billing statement to an existing customer of a first entity, the billing statement including at least one amount due, the billing statement including an offer to the customer to become a customer of a second entity in exchange for payment by the second entity of at least a portion of the at least one amount due;

receive an acceptance of the offer from the customer; and

apply the minimum amount due to the billing statement in response after receiving the acceptance.

32. The computer readable medium of claim 31, which further comprises instructions configured to direct the processor to receive payment of the minimum amount due from the second entity.

33. A system, comprising:

a data storage device; and

a processor operatively coupled to the data storage device, the processor configured to;

transmit a billing statement to an existing customer of a first entity, the billing statement including at least one amount due, the billing statement including an offer to the customer to become a customer of a second entity in exchange for payment by the second entity of at least a portion of the at least one amount due;

receive an acceptance of the offer from the customer; and

apply the minimum amount due to the billing statement in response after receiving the acceptance.