Patent ID: 7006994
Filing Date: 2006-02-28
Classification: G06Q

Abstract:
1. An automated receivables management system owned or controlled by a credit grantor that granted to a customer of the credit grantor a credit account having been designated for collection by the credit grantor, the system comprising: a collection system that implements a collection action by automatically creating an electronic message to send to the customer associated with the account designated for collection, where the message includes interactive content for allowing the customer to interactively respond to the message with an electronic promise to make a payment, and where the interactive content also allows the customer, if they chose, to make an electronic payment toward the promise through the communication network; a communication server that automatically sends the electronic message to the customer associated with the account designated for collection via the communication network; and an electronic communication device that receives, over the communication network, an electronic response from the customer associated with the account designated for collection, where the electronic response comprises an electronic promise to make a payment, and where the electronic response was made by the customer interacting with the interactive content in the electronic message.