Patent ID: 6385595
Filing Date: 2002-05-07
Classification: G06Q

Abstract:
A method for generating an electronic statement for delivery to a customer of a biller, said method comprising:receiving customer statement data including an associated customer identifier, a template identifier selected by said biller, and periodic information desired by said biller to be delivered to said customer; selecting a template from a plurality of templates based on said template identifier, whereby said customer statement data identifies a template for use; receiving said template associated with said customer statement date, said template including static information desired by said biller to be delivered to said customer; delivering said customer statement data and said template to a consumer service provider who has a previously established service relationship with said customer; combining said customer statement data and said template at said consumer service provider to generate an electronic statement for said customer, said electronic statement including said periodic information and said static information; and providing said electronic statement from said consumer service provider to said customer via a medium utilizing said associated customer identifier, said medium being previous established along with the previously established service relationship, wherein customer statement data also consists of mandatory data and optional data and only mandatory data is transmitted to said consumer service provider when the amount of template data and customer statement data is greater than a certain threshold amount whereby the transmission of only mandatory data minimizes a time required for a customer to download said electronic statement.