System and method for providing redundant customer communications delivery using hybrid delivery channels

1. A computer system for providing selective redundant customer communications using a first communications channel and a second communications channel comprising:

a customer communications computer processing subsystem configured to create a first set of documents including a first subset directed to a first communications channel and a second subset directed to a second communications channel;

a computer processing subsystem for obtaining status data related to at least the second subset, wherein the status data comprises an indication of customer response to the customer communications; and

a computer processing subsystem for creating a redundant subset of the second subset of customer communications based upon the status data and time data.

2. The system of claim 1 , further comprising:

a subsystem for processing the redundant subset of customer communications using a third communications channel.

3. The system of claim 1 , further comprising:

a subsystem for processing the redundant subset of customer communications using the first communications channel.

4. The system of claim 1 , wherein:

the first communications channel comprises a physical delivery channel, the second communications channel comprises an electronic delivery channel and the customer communication comprises a periodic statement.

5. The system of claim 4 , wherein:

the status data includes an indication of receipt of the periodic statement or an indication of customer response received associated with the statement.

6. The system of claim 4 , wherein:

the physical delivery channel comprises a postal service, the second communications channel comprises an electronic mail delivery channel.

7. The system of claim 4 , wherein:

the status data includes an indication of customer response received associated with the periodic statement including an indication that a payment has been received related to the periodic statement.

8. The system of claim 4 , wherein:

the status data includes failure to receive an indication that a payment related to the periodic statement was received within a first period of time; and

wherein the subsystem for creating the redundant subset of the second subset of customer communications utilizes the status data, time data and the amount of the payment due to create the redundant subset of the second subset of customer communications.

9. The system of claim 1 , wherein:

the status data includes an first indication and a second indication based upon the first indication.

10. The system of claim 4 , wherein:

the status data includes an first indication and a second indication based upon the first indication; and

the first indication relates to an opening event associated with one of the first set of documents and the second indication includes an indication of failure to receive a payment related to the periodic statement within a first period of time after the first indication.

11. A computer implemented method for providing selective redundant customer communications using a computer, a first communications channel and a second communications channel comprising:

creating, using the computer, a first set of documents including a first subset directed to a first communications channel and a second subset directed to a second communications channel;

obtaining status data related to at least the second subset, wherein the status data comprises an indication of customer response to the customer communications; and

creating, using the computer, a redundant subset of the second subset of customer communications based upon the status data and time data.

12. The method of claim 11 , further comprising:

processing the redundant subset of customer communications using a third communications channel.

13. The method of claim 11 , further comprising:

processing the redundant subset of customer communications using the first communications channel.

14. The method of claim 11 , wherein:

the first communications channel comprises a physical delivery channel, the second communications channel comprises an electronic delivery channel and the customer communication comprises a periodic statement.

15. The method of claim 14 , wherein:

the status data includes an indication of receipt of the periodic statement or an indication of customer response received associated with the statement.

16. The method of claim 14 , wherein:

the physical delivery channel comprises a postal service, the second communications channel comprises an electronic mail delivery channel.

17. The method of claim 14 , wherein:

the status data includes an indication of customer response received associated with the periodic statement including an indication that a payment has been received related to the periodic statement.

18. The method of claim 14 , wherein:

the status data includes failure to receive an indication that a payment related to the periodic statement was received within a first period of time; and

wherein the subsystem for creating the redundant subset of the second subset of customer communications utilizes the status data, time data and the amount of the payment due to create the redundant subset of the second subset of customer communications.

19. The method of claim 11 , wherein:

the status data includes an first indication and a second indication based upon the first indication.

20. The method of claim 14 , wherein:

the status data includes an first indication and a second indication based upon the first indication; and

the first indication relates to an opening event associated with one of the first set of documents and the second indication includes an indication of failure to receive a payment related to the periodic statement within a first period of time after the first indication.