Abstract: A “lock-and-key” consumer billing data protection capability is provided to telemarketing systems which are based upon previously-acquired consumer lists. The lists contain only partial billing information for each consumer, which is insufficient to access the consumer's account. Thus, at the time a telemarketer employing this capability communicates with a consumer to offer them a product or service, the telemarketer, the seller and any entity hired to perform billing operations for such consumer purchases all remain “locked” out from accessing the consumer's account. When the consumer wishes to authorize the purchase of an offered product or service, the consumer must “reach into their wallet” to provide the “key” to their account, which is the missing billing information not acquired from the third-party list provider.

Abstract: A “lock-and-key” consumer billing data protection capability is provided to telemarketing and electronic marketing systems which are based upon previously-acquired consumer lists. The lists contain encrypted partial billing information for each consumer, which is insufficient to access the consumer's account. Thus, at the time a consumer is offered a product or service, the telemarketer, the electronic marketer, and any entity hired to perform billing operations for such consumer purchases all remain “locked” out from accessing the consumer's account. When the consumer wishes to authorize the purchase of an offered product or service, the consumer must provide the “key” to the consumer's account, which is the key necessary to decrypt the encrypted partial billing information and also the missing billing information not acquired from the list provider.

Abstract: A “lock-and-key” consumer billing data protection capability is provided to telemarketing systems which are based upon previously-acquired consumer lists. The lists contain partial billing information for each consumer, which is insufficient to access the consumer's account. Thus, at the time a telemarketer employing this capability communicates with a consumer to offer them a product or service, the telemarketer, the telemarketer's client providing the offered product or service, and any entity hired to perform billing operations for such consumer purchases all remain “locked” out from accessing the consumer's account. When the consumer wishes to authorize the purchase of an offered product or service, the consumer must provide the “key” to the consumer's account, which is the missing billing information not acquired from the list provider.

Abstract: A “lock-and-key” consumer billing data protection capability is provided to telemarketing and electronic marketing systems which are based upon previously-acquired consumer lists. The lists contain encrypted partial billing information for each consumer, which is insufficient to access the consumer's account. Thus, at the time a consumer is offered a product or service, the telemarketer, the electronic marketer, and any entity hired to perform billing operations for such consumer purchases all remain “locked” out from accessing the consumer's account. When the consumer wishes to authorize the purchase of an offered product or service, the consumer must provide the “key” to the consumer's account, which is the key necessary to decrypt the encrypted partial billing information and also the missing billing information not acquired from the list provider.

Abstract: A “lock-and-key” consumer billing data protection capability is provided to electronic marketing systems which are based upon previously-acquired consumer lists. The lists contain partial billing information for each consumer, which is insufficient to access the consumer's account. Thus, when a marketer employs this capability to communicate with a consumer, via an electronic message to offer them a product or service, the marketer remains “locked” out from accessing the consumer's account. When the consumer wishes to authorize the purchase of an offered product or service, the consumer must “reach into their wallet” to provide the “key” to their account via a return communication. They “key” is the missing billing information not acquired from the list provider.

Abstract: A “lock-and-key” consumer billing data protection capability is provided to telemarketing systems which are based upon previously-acquired consumer lists. The lists contain only partial billing information for each consumer, which is insufficient to access the consumer's account. Thus, at the time a telemarketer employing this capability communicates with a consumer to offer them a product or service, the telemarketer, the seller and any entity hired to perform billing operations for such consumer purchases all remain “locked” out from accessing the consumer's account. When the consumer wishes to authorize the purchase of an offered product or service, the consumer must “reach into their wallet” to provide the “key” to their account, which is the missing billing information not acquired from the third-party list provider.

Abstract: A “lock-and-key” consumer billing data protection capability is provided to telemarketing and electronic marketing systems which are based upon previously-acquired consumer lists. The lists contain encrypted partial billing information for each consumer, which is insufficient to access the consumer's account. Thus, at the time a consumer is offered a product or service, the telemarketer, the electronic marketer, and any entity hired to perform billing operations for such consumer purchases all remain “locked” out from accessing the consumer's account. When the consumer wishes to authorize the purchase of an offered product or service, the consumer must provide the “key” to the consumer's account, which is the key necessary to decrypt the encrypted partial billing information and also the missing billing information not acquired from the list provider.