Abstract: Systems and methods of managing payments for services or products are disclosed. Billing system data is extracted or accessed to provide business intelligence and. Visit charges from multiple billing systems can be aggregated to guarantor accounts within or across multiple billing systems and provide a single statement of charges for a given time period. Accounts are accessible online. Accounts can be linked to delegate management authority of a first guarantor's account to a second (manager) guarantor. Visit charges for linked accounts are included in the manager guarantor's statement an online access. Open charges balances can be brokered or transferred to a new asset holder. Pre-determined payment options can be configured by a provider, asset holder, and/or potential asset holder. The pre-determined payment options can include an option for financing a balance. A configurable financing option may enable a guarantor to request terms and receive automatic approval, subject to authorized terms.

Abstract: Systems and methods of managing payments for services or products are disclosed. Billing system data is extracted or accessed to provide business intelligence and. Visit charges from multiple billing systems can be aggregated to guarantor accounts within or across multiple billing systems and provide a single statement of charges for a given time period. Accounts are accessible online. Accounts can be linked to delegate management authority of a first guarantor's account to a second (manager) guarantor. Visit charges for linked accounts are included in the manager guarantor's statement an online access. Open charges balances can be brokered or transferred to a new asset holder. Pre-determined payment options can be configured by a provider, asset holder, and/or potential asset holder. The pre-determined payment options can include an option for financing a balance. A configurable financing option may enable a guarantor to request terms and receive automatic approval, subject to authorized terms.

Abstract: Systems and methods of managing payments for services or products are disclosed. Billing system data is extracted or accessed to provide business intelligence and. Visit charges from multiple billing systems can be aggregated to guarantor accounts within or across multiple billing systems and provide a single statement of charges for a given time period. Accounts are accessible online. Accounts can be linked to delegate management authority of a first guarantor's account to a second (manager) guarantor. Visit charges for linked accounts are included in the manager guarantor's statement an online access. Open charges balances can be brokered or transferred to a new asset holder. Pre-determined payment options can be configured by a provider, asset holder, and/or potential asset holder. The pre-determined payment options can include an option for financing a balance. A configurable financing option may enable a guarantor to request terms and receive automatic approval, subject to authorized terms.

Abstract: Systems and methods of managing payments for services or products are disclosed. Billing system data is extracted or accessed to provide business intelligence and. Visit charges from multiple billing systems can be aggregated to guarantor accounts within or across multiple billing systems and provide a single statement of charges for a given time period. Accounts are accessible online. Accounts can be linked to delegate management authority of a first guarantor's account to a second (manager) guarantor. Visit charges for linked accounts are included in the manager guarantor's statement an online access. Open charges balances can be brokered or transferred to a new asset holder. Pre-determined payment options can be configured by a provider, asset holder, and/or potential asset holder. The pre-determined payment options can include an option for financing a balance. A configurable financing option may enable a guarantor to request terms and receive automatic approval, subject to authorized terms.

Abstract: Systems and methods of managing payments for services or products are disclosed. Billing system data is extracted or accessed to provide business intelligence and. Visit charges from multiple billing systems can be aggregated to guarantor accounts within or across multiple billing systems and provide a single statement of charges for a given time period. Accounts are accessible online. Accounts can be linked to delegate management authority of a first guarantor's account to a second (manager) guarantor. Visit charges for linked accounts are included in the manager guarantor's statement an online access. Open charges balances can be brokered or transferred to a new asset holder. Pre-determined payment options can be configured by a provider, asset holder, and/or potential asset holder. The pre-determined payment options can include an option for financing a balance. A configurable financing option may enable a guarantor to request terms and receive automatic approval, subject to authorized terms.

Abstract: A system and method is provided for determining whether to contact a party associated with an account. The disclosed system places a value on an account, estimates a cost in contacting the account holder or customer, and attempts contact if the account value exceeds the estimated cost. The account value is an amount the customer likely would pay if he were contacted or agreed to make a purchase. It is based on the customer's financial situation and credit history. The cost in contacting a customer is determined from a probability of contacting the customer. The probability is based largely on the customer's demographic information, including the mobility of the population in his demographic area and the number of people having telephone service in that area. The system determines that a customer will be hard to contact if he lives in a highly mobile area or in an area wherein most of the population lacks telephone service.