ELECTRONIC STATEMENT PRESENTMENT SYSTEM

摘要

An electronic statement presentment (ESP) system (200) replaces the preparations and mailing of paper statements and invoices from a biller (102) with electronic delivery. Electronic statements (224) have the same look as paper statements as well as including video, audio, graphics, and custom enclosures. Statements are segmented into mandatory and optional components to minimize download time. The ESP system (200) operates independently or is an enhancement to any suitable electronic bill payment system. A central switch computer (214) coordinates template storage, validation, routing and message passing between billers (102), workstations and consumer financial institutions (CFIs) (130). A template authoring workstation (TAWS) (210) creates a template (212) of static biller information to serve as a basis for the electronic statement. The template (212) is stored in a template library (216) at the switch (214). Batches of customer statement data (206) are sent from a biller's legacy invoicing system (204) to a statement origination workstation (SORG) (208) along with a template identifier. The batch of customer statement data is sorted by a statement generation workstation (SGEN) identifier associated with each customer record.