US 2004/0064387 A1Published application

Customized event messaging in an electronic bill presentment and payment system

OwnerWilliam D. Clarke, Robert A. Laprade +2inventors

InventorsWilliam D. Clarke, Robert A. Laprade, Daniel M. Palma, Anita Rao

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Abstract

A customizable electronic bill payment and presentment system whereby the base logic for event notification messaging need not be changed in order to provide customization to different billers. Rather, customization features are stored in data repositories, preferably in XML format. An administrator can select which events will trigger event notification messages, control parameters for processing the event messages, and who will receive messages. Also, customizable message templates are provided in the data repositories. These templates can provide messages in different languages based the recipient. Also, the templates may provide different customizable messages to different recipients depending on the role of the recipient. Accordingly, customization for a particular biller is achieved by changing data stored in a repository, rather than reprogramming core logic.

Claims23

Dependent claims

An electronic bill presentment computer system for providing bill information from a biller to a remote customer over a network, the electronic bill presentment computer system generating event notification messages during operation, the event notification messages being customized to meet preferences of the biller, the electronic bill presentment computer system configured and programmed to include:

an event messaging descriptor repository storing customized information for event notification messaging in accordance with biller preferences;
an event business module processing predetermined events;
an event messaging logic module responsive to an occurrence of a predetermined event in the event business module, the event messaging logic module generating customized event messages based on corresponding customized information stored in the event messaging descriptor repository;
a message delivery means transmitting said customized event messages to one or more recipients;
and
wherein the event messaging descriptor repository is discrete from the event messaging logic module, thereby providing that said repository independently reflects the biller's particular preferences, the information in said repository being customizable for the biller.

3 more elements

Dependencies are inferred from the claim text.