Wireless communication device account payment notification systems and methods
View Patent ↗Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
1. A method for notifying a wireless communication device user regarding an account payment, the method comprising:
receiving at a host computer system having a processor and a database account payment registration information to permit the device user to receive payment notifications from the host computer, wherein the account payment registration information comprises a phone number of a wireless communication device where notices of the debt are to be sent, an account identifier that is associated with an account having a balance due, and a payment source that is usable to provide a payment toward the balance due, wherein the host computer system further comprises an interactive voice response unit;
the host computer system using dialing the phone number of the wireless communication device to establish a communication link with the wireless communication device;
wirelessly transmitting directly over a wireless network to the wireless communication device a communication relating to an account payment that includes a balance due for the account that is associated with the account identifier, wherein the communication further comprises a verbal communication regarding the balance due and when the payment is due; and
receiving at the host computer system input from the wireless communication device regarding payment of at least a portion of the balance due using the payment source.
2. A method as in claim 1 , further comprising receiving an answer from the wireless communication device prior to transmitting the communication.
3. A method as in claim 2 , wherein the answer comprises a live verbal response from the wireless communication device user or a voice mail of the wireless communication device user.
4. A method as in claim 1 , wherein the communication comprises a verbal communication or text message.
5. A method as in claim 1 , wherein transmitting further comprises requesting whether no, partial, or full payment of the balance due is to be made.
6. A method as in claim 1 , wherein transmitting further comprises requesting a new credit card, debit card, or ACH transfer authorization or a pre-registered payment option approval from the wireless communication device user for a partial or full payment of the balance due.
7. A method as in claim 1 , wherein transmitting further comprises identifying a provider location where payment is made in-person by currency, check, credit card, debit card, or ACH transfer from a bank account.
8. A method as in claim 7 , wherein the provider is a third party payment service provider affiliated with a plurality of offices.
9. A method as in claim 7 , wherein the provider is a wireless communication device provider.
10. A method as in claim 7 , wherein the provider is a billing party.
11. A method as in claim 1 , wherein receiving input further comprises receiving a new credit card, debit card, or ACH transfer authorization or a pre-registered payment option approval from the wireless communication device user for a partial or full payment of the balance due.
12. A method as in claim 1 , wherein receiving input further comprises receiving a return phone call to a customer service representative or an IVR system, a return text message, an internet response, an e-mail response, an in-person visit from the wireless device user, or a mail response.
13. A method as in claim 1 , further comprising receiving a payment of at least a portion of the balance due in response to the received input from the wireless device user.
14. A method as in claim 13 , further comprising transferring the payment of at least a portion of the balance due to a billing party.
15. A method as in claim 13 , further comprising transmitting a payment receipt to the wireless communication device user.
16. A method as in claim 15 , wherein the payment receipt is transmitted to a wireless communication device user's mailing address, e-mail address, text message number, or voice mail number.
17. A method as in claim 13 , further comprising updating account payment records.
18. A method as in claim 1 , wherein in the wireless communication device comprises a cell phone, a personal digital assistant device, or a wireless communication device that receives verbal communication or text messaging.
19. A method as in claim 1 , further comprising pre-registering the wireless communication device user.
20. A method as in claim 19 , wherein pre-registering comprises receiving and storing information from the wireless communication device user or a billing party regarding at least one bill payment account.
21. A method as in claim 20 , further comprising creating a name identifier associated with each bill payment account.
22. A method as in claim 19 , wherein pre-registering comprises receiving and storing information from the wireless communication device user regarding a payment option.
23. A method as in claim 22 , wherein the payment option is selected from a group consisting of checks, credit cards, debit cards, or ACH transfer from a bank account.
24. A method as in claim 19 , further comprising creating a user identifier associated with the wireless communication device user.
25. A method as in claim 24 , wherein the user identifier is the wireless communication device phone number.
26. A method as in claim 1 , wherein the dialing and transmitting is carried out by the host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame.
27. A method as in claim 1 , wherein the account balance is not past due.
28. A computer-readable storage medium having a computer-readable program embodied therein for directing operation of a computer system for a provider, the computer system including a communications system, a processor, and a storage device, wherein the computer-readable program includes instructions for operating the computer system to notify a wireless communication device user regarding an account payment in accordance with the following:
receiving and storing account payment registration information comprising a phone number of a wireless communication device, an account identifier that is associated with an account having a balance due, and a payment source that is usable to provide a payment toward the balance due;
using the phone number of the wireless communication device to establish a communication link with the wireless communication device; and
wirelessly transmitting directly over a wireless network to the wireless communication device a communication relating to an account payment that includes a balance due for the account that is associated with the account identifier, wherein the communication further comprises a verbal communication produced with an interactive voice response unit regarding the balance due and when the payment is due; and
receiving and storing input from the wireless communication device regarding payment of at least a portion of the balance due using the payment source.
29. A computer-readable storage medium as in claim 28 , wherein the computer-readable program further includes instructions for operating the computer system for receiving input from a wireless communication device user regarding payment of the balance due.
30. A computer-readable storage medium as in claim 29 , wherein the computer-readable program further includes instructions for operating the computer system for receiving a payment of at least a portion of the balance due in response to the received input from the wireless device user.
31. A computer-readable storage medium as in claim 30 , wherein the computer-readable program further includes instructions for operating the computer system for transferring the payment of at least a portion of the balance to a billing party.
32. A computer-readable storage medium as in claim 30 , wherein the computer-readable program further includes instructions for operating the computer system for transmitting a payment receipt to the wireless device user.
33. A computer-readable storage medium as in claim 30 , wherein the computer-readable program further includes instructions for operating the computer system for updating account payment records.
34. A computer-readable storage medium as in claim 28 , wherein the computer-readable program further includes instructions for operating the computer system for receiving and storing pre-registered information on a wireless device communication user.