Patent ID: 7840466

Claim:
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.