An electronic statement presentment (ESP) system (200) replaces the preparations and mailing of paper statements and invoices from a biller (102) with electronic delivery. Electronic statements (224) 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 (200) operates independently or is an enhancement to any suitable electronic bill payment system. A central switch computer (214) coordinates template storage, validation, routing and message passing between billers (102), workstations and consumer financial institutions (CFIs) (130). A template authoring workstation (TAWS) (210) creates a template (212) of static biller information to serve as a basis for the electronic statement. The template (212) is stored in a template library (216) at the switch (214). Batches of customer statement data (206) are sent from a biller's legacy invoicing system (204) to a statement origination workstation (SORG) (208) along with a template identifier. The batch of customer statement data is sorted by a statement generation workstation (SGEN) identifier associated with each customer record.

Electronic statement presentment system

The specification discloses a method of doing business over the public Internet, particularly, a method which enables access to legacy management tools used by a telecommunications enterprise in the management of the enterprise business to the enterprise customer, to enable the customer to more effectively manage the business conducted by the customer through the enterprise, this access being provided over the public Internet. This method of doing business is accomplished with one or more secure web servers which manage one or more secure client sessions over the Internet, each web server supporting secure communications with the client workstation; a web page backplane application capable of launching one or more management tool applications used by the enterprise. Each of the management tool applications provide a customer interface integrated within said web page which enables interactive Web/Internet based communications with the web servers; each web server supports communication of messages entered via the integrated customer interface to one or more remote enterprise management tool application servers which interact with the enterprise management tool applications to provide associated management capabilities to the customer.

Integrated business system for web based telecommunications management

A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer The bill is stored in memory with other unpaid electronic bills According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (eg, a month) The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest When the consumer desires to pay a particular bill, the bill is presented to the consumer through a graphical user interface (UI) The bill management and payment system supports a payment analyzer to enable the consumer to determine how much of the electronic bill to pay The payment analyzer provides a venue to challenge certain items on the bill

Consumer-based system and method for managing and paying electronic billing statements

A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill. The bill can then be automatically or manually adjusted to reflect any disputed amounts. Payment of the bill is preferably in the form of a “direct debit check” that is formed by the consumer software using the billing and remittance information provided in the bill to automatically name the biller as the payee. The consumer completely controls the payment authorization, specifying the amount to be paid (either partial or full), and the date for the payment to be made, and the account from which the money will be drawn. The electronic payment and any dispute criteria are associated with the payment remittance information. The payment instruction and remittance information are then transmitted in the biller prescribed format back over the Internet to the biller. In this manner, the payment remittance information is automatically returned directly to the biller in the format that the biller chooses, without intervention by the consumer. The biller executes the payment instructions sent to it electronically by the consumer by sending them onto the biller's bank.

Electronic bill presentment and payment system

The present invention is an integrated computerized system and method of telecommunication user account management. The invention creates, maintains, processes and analyzes data regarding individual users for telecommunication services. Billing for individual users is generated. The user data is analyzed and reports for all or part of the user data are prepared and generated. Ancillary functions are enabled, including word processing, editing, e-mail, and other functions. The invention is applicable to subscriber telecommunication services, and pay-for-use services, and the user may be a subscriber or a non-subscriber. The invention is applicable to multi-channel telecommunication services, or single channel multi-service telecommunications, or single channel single service telecommunications. Such telecommunication services may include cable television, telephone, video, audio, on-line databases, television, radio, music video, video juke box, pay-for-view, video-on-demand, interactive TV, home-shopping, video conferences, telephone conferences, interfacing to imaging systems, automatic telephone call charge-backs ("900" numbers), and other telecommunication services which may not yet be invented at this time. The current preferred embodiment of the invention is for subscriber account management for cable television services.

Telecommunication user account management system and method

Systems and methods for preparing reports and for displaying information concerning transactions between service providers and service customers including preprocessing of records relating to transaction details in order to create indices enabling rapid sorting of the records.

Billing system with data indexing

A system and a method for selectively intercepting audio and video conversations over a wide area computer network, for monitoring, storing, and contributing to these conversations and reconstructing the associated communications session upon request.

Process for scalable conversation recording

A method for distributed storage and retrieval of interactions comprises registering a plurality of temporary storage endpoints and a plurality of permanent storage endpoints with a storage manager; capturing one of the interactions in one of the temporary storage endpoints; determining one of the plurality of permanent storage endpoints to which the captured interaction should be transferred; transferring the interaction to the determined one of the plurality of permanent storage endpoints; and maintaining a location of the transferred interaction and making the transferred interaction available for retrieval and analysis.

Jeffrey Thompson

Papers

Billing system with data indexing

Process for scalable conversation recording

System and method for distributed interaction media storage and retrieval