초록 ▼

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 a

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.

대표청구항 ▼

[ We claim:] [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

[ We claim:] [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; anda 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.