Systems and methods for determining estimated lead times

• US 8,244,646 B2
• Filed: 06/09/2009
• Issued: 08/14/2012
• Est. Priority Date: 06/09/2009
• Status: Active Grant

• Current Assignee: Fiserv Incorporated
• Original Assignee: Fiserv Incorporated
• Inventors: Johnston, Ann Marie, Esque, Robert Charles, Jackson, Justin, Seemann, Brian Richard, Southard, Roy Alan
• Primary Examiner(s): Wu, Rutao
• Application Number:
  US12/481,353
• Publication Number:
  US 20100312593A1
• Time in Patent Office: 1,162 Days
• Field of Search: None
• US Class Current: 705/330
• CPC Class Codes: G06Q 30/0205 Location or geographical consideration
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the invention may provide systems and methods for determining estimated lead times based on delivery history information to a same or similar geographical area. According to one example embodiment, a method is provided. The method can include identifying a payee and determining that the payee is associated with a geographical area for mailpiece delivery. The method can further include identifying multiple delivery methods for mailpiece delivery to the geographical area, wherein each of delivery methods is associated with (a) a distribution center, (b) a delivery agent, and (c) an estimated lead time determined at least in part by analyzing the delivery history information associated with multiple mailpieces mailed from the respective distribution center to the geographical area via the respective delivery agent. The method can further include selecting one of the delivery methods for mailpiece delivery to the payee and associating the selected delivery method with the payee.

Claims

1. A computer-implemented method, comprising:

processing, by a service provider system comprising one or more computers, delivery history information and at least one of (i) payment clearance information or (ii) payment posting information associated with a plurality of mailpieces mailed from a distribution center to a geographical area to determine a corresponding plurality of delivery times, wherein each of the plurality of delivery times is associated with a respective one of the plurality of mailpieces;

determining, by the service provider system, an estimated lead time for subsequent delivery of mailpieces mailed from the distribution center to the geographical area based at least in part on an analysis of the plurality of delivery times;

identifying, by the service provider system, a payee;

determining, by the service provider system, that the payee is associated with the geographical area for mailpiece delivery; and

associating, by the service provider system, the estimated lead time with the payee.

2. The method of claim 1, wherein the plurality of mailpieces comprises at least one mailpiece delivered to a recipient other than the payee.

3. The method of claim 1, wherein the delivery history information comprises mailpiece delivery status information associated with the plurality of mailpieces.

4. The method of claim 1, wherein at least one of the payment clearance information or the payment posting information is received from one of (i) a financial institution or (ii) a payee that received a mailed payment in one of the plurality of mailpieces.

5. The method of claim 1, wherein the plurality of mailpieces are associated with a plurality of payments, and wherein the respective delivery time for at least one of the plurality of mailpieces is determined from a date that a payment was mailed and at least one of:

(a) a date the payment was processed by a respective payee;

or (b) a clearance date of an associated check.

6. The method of claim 1, wherein the delivery history information comprises mailpiece delivery status information associated with the plurality of mailpieces provided by at least one delivery agent, and wherein the respective delivery time for at least one of the plurality of mailpieces is based at least in part on a receipt date of the respective mailpiece.

7. The method of claim 6, wherein at least one of the plurality of mailpieces comprises a mailpiece identifier, and wherein the mailpiece delivery status information provided by the at least one delivery agent is associated with the mailpiece identifier for the at least one of the plurality of mailpieces.

8. The method of claim 1, wherein determining the estimated lead time for subsequent delivery of mailpieces mailed from the distribution center to the geographical area comprises:

(a) identifying the mode of the plurality of delivery times;

(b) identifying the mean of the plurality of delivery times;

(c) identifying a distribution of the plurality of delivery times;

(d) performing a chi-square test on the plurality of delivery times;

or (e) performing a Monte Carlo analysis on the plurality of delivery times.

9. The method of claim 1, wherein the geographical area comprises at least one of:

(a) a 3-digit zip code;

(b) a 5-digit zip code;

(c) a 9-digit zip code;

or (d) an 11-digit zip code.

10. The method of claim 1, wherein determining that the payee is associated with the geographical area for mailpiece delivery further comprises determining that the payee is associated with at least two zip codes, each comprising a different zip code type, and further comprising:

selecting, by the service provider system, one of the at least two zip codes associated with the payee, wherein associating the estimated lead time with the payee comprises associating the estimated lead time for the selected one of the at least two zip codes with the payee.

11. The method of claim 1, wherein identifying the payee comprises receiving a payment request to process a payment to the payee, and wherein associating the estimated lead time with the payee further comprises determining a payment mail date for mailing the payment from the distribution center to the payee based at least in part on the estimated lead time associated with the payee.

12. The method of claim 1, further comprising:

presenting, by the service provider system to a subscriber, at least one of;

(a) the estimated lead time associated with the payee;

(b) an earliest payment date based at least in part on the estimated lead time;

(c) a latest available mail date based at least in part on the estimated lead time and a due date associated with a payment for the payee;

or (d) a plurality of available mail dates based at least in part on the estimated lead time and the due date associated with the payment.

13. The method of claim 1, wherein the delivery history information comprises a first delivery history information associated with a first delivery factor, and a second delivery history information associated with a second delivery factor, wherein processing the delivery history information comprises processing the first delivery history information to determine a first plurality of delivery times, each of the first plurality of delivery times associated with the first plurality of mailpieces, and processing the second delivery history information to determine a second plurality of delivery times, each of the second plurality of delivery times associated with the second plurality of mailpieces, and wherein determining an estimated lead time comprises determining a first estimated lead time for subsequent delivery of mailpieces associated with the first factor based at least in part on an analysis of the first plurality of delivery times, and further comprising:

determining, by the service provider system, a second estimated lead time for subsequent delivery of mailpieces associated with the second factor based at least in part on an analysis of the second plurality of delivery times.

14. The method of claim 13, wherein the first factor and the second factor each comprise one of (a) a different distribution center, (b) a different delivery agent, (c) a different delivery route, (d) a different delivery cost, or (e) a different delivery priority.

15. The method of claim 13, wherein the first factor comprises a first distribution center and the second factor comprises a second distribution center, wherein associating the estimated lead time with the payee further comprises:

selecting, by the service provider system, the estimated lead time from the first estimated lead time and the second estimated lead time;

selecting, by the service provider system, a distribution center from the first distribution center and the second distribution center, wherein the selected distribution center is the respective distribution center associated with the selected estimated lead time; and

associating, by the service provider system, the selected distribution center with the payee.

16. A system, comprising:

at least one memory that stores computer-executable instructions; and

at least one processor configured to access the memory, wherein the at least one processor is further configured to execute the computer-executable instructions to;

process delivery history information and at least one of (i) payment clearance information or (ii) payment posting information associated with a plurality of mailpieces mailed from a distribution center to a geographical area to determine a corresponding plurality of delivery times, wherein each of the plurality of delivery times is associated with a respective one of the plurality of mailpieces;

determine an estimated lead time for subsequent delivery of mailpieces mailed from the distribution center to the geographical area based at least in part on an analysis of the plurality of delivery times;

identify a payee;

determine that the payee is associated with the geographical area for mailpiece delivery; and

associate the estimated lead time with the payee.

17. The system of claim 16, wherein the plurality of mailpieces comprises at least one mailpiece delivered to a recipient other than the payee.

18. The system of claim 16, wherein the delivery history information comprises mailpiece delivery status information associated with the plurality of mailpieces.

19. The system of claim 16, wherein at least one of the payment clearance information or the payment posting information is received from one of (i) a financial institution or (ii) a payee that received a mailed payment in one of the plurality of mailpieces.

20. The system of claim 16, wherein the plurality of mailpieces are associated with a plurality of payments, and wherein the respective delivery time for at least one of the plurality of mailpieces is determined from a date that a payment was mailed and at least one of:

(a) a date the payment was processed by a respective payee;

or (b) a clearance date of an associated check.

21. The system of claim 16, wherein the delivery history information comprises mailpiece delivery status information associated with the plurality of mailpieces provided by at least one delivery agent, and wherein the respective delivery time for at least one of the plurality of mailpieces is based at least in part on a receipt date of the respective mailpiece.

22. The system of claim 16, wherein at least one of the plurality of mailpieces comprises a mailpiece identifier, and wherein the mailpiece delivery status information provided by the at least one delivery agent is associated with the mailpiece identifier for the at least one of the plurality of mailpieces.

23. The system of claim 16, wherein, when determining the estimated lead time for subsequent delivery of mailpieces, the at least one processor is further configured to execute the computer-executable instructions to perform at least one of:

(a) identify the mode of the plurality of delivery times;

(b) identify the mean of the plurality of delivery times;

(c) identify a distribution of the plurality of delivery times;

(d) perform a chi-square test on the plurality of delivery times;

or (e) perform a Monte Carlo analysis on the plurality of delivery times.

24. The system of claim 16, wherein the geographical area comprises at least one of:

(a) a 3-digit zip code;

(b) a 5-digit zip code;

(c) a 9-digit zip code;

or (d) an 11-digit zip code.

25. The system of claim 16, wherein the payee is associated with at least two zip codes, each comprising a different zip code type, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

select one of the at least two zip codes associated with the payee; and

associate the estimated lead time for the selected one of the at least two zip codes with the payee when associating the estimated lead time with the payee.

26. The system of claim 16, wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive a payment request to process a payment to the payee, wherein the payee is identified responsive to receiving the payment request; and

determine a payment mail date for mailing the payment from the distribution center to the payee based at least in part on the estimated lead time associated with the payee.

27. The system of claim 16, wherein the at least one processor is further configured to execute the computer-executable instructions to:

present to a subscriber at least one of;

(a) the estimated lead time associated with the payee;

(b) an earliest payment date based at least in part on the estimated lead time;

(c) a latest available mail date based at least in part on the estimated lead time and a due date associated with a payment for the payee;

or (d) a plurality of available mail dates based at least in part on the estimated lead time and the due date associated with the payment.

28. The system of claim 16, wherein the delivery history information comprises a first delivery history information associated with a first delivery factor, and a second delivery history information associated with a second delivery factor, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

when processing the delivery history information, process the first delivery history information to determine a first plurality of delivery times, each of the first plurality of delivery times associated with the first plurality of mailpieces, and process the second delivery history information to determine a second plurality of delivery times, each of the second plurality of delivery times associated with the second plurality of mailpieces; and

when determining an estimated lead time, determine a first estimated lead time for subsequent delivery of mailpieces associated with the first factor based at least in part on an analysis of the first plurality of delivery times, and determine a second estimated lead time for subsequent delivery of mailpieces associated with the second factor based at least in part on an analysis of the second plurality of delivery times.

29. The system of claim 28, wherein the first factor and the second factor each comprise one of (a) a different distribution center, (b) a different delivery agent, (c) a different delivery route, (d) a different delivery cost, or (e) a different delivery priority.

30. The system of claim 28, wherein the first factor comprises a first distribution center and the second factor comprises a second distribution center, and wherein, when associating the estimated lead time with the payee, the at least one processor is further configured to execute the computer-executable instructions to:

select the estimated lead time from the first estimated lead time and the second estimated lead time;

select a distribution center from the first distribution center and the second distribution center, wherein the selected distribution center is the respective distribution center associated with the selected estimated lead time; and

associate the selected distribution center with the payee.

31. A computer-implemented method, comprising:

receiving, by a service provider system comprising one or more computers delivery history information and at least one of (i) payment clearance information or (ii) payment posting information, associated with a plurality of mailpieces, each of the plurality of mailpieces mailed via one of a plurality of delivery routes to one of a plurality of payees;

processing the delivery history information and at least one of (i) the payment clearance information or (ii) the payment posting information to determine a corresponding plurality of delivery times, wherein each of the plurality of delivery times is associated with a respective one of the plurality of mailpieces and respective one of the plurality of delivery routes;

determining an estimated lead time for each of the plurality of delivery routes based at least in part on an analysis of the plurality of delivery times associated with the respective delivery route; and

storing the plurality of estimated lead times, associating each of the plurality of estimated lead times with the respective delivery route.