The invention disclosed herein relates generally to the processes by which mailers maintain address lists of, for example, customers, and in particular to methods which assist in making changes to such address lists.
Maintaining communication with customers or similar contacts is critical for all mailers. This is particularly true during the critical stage when a customer moves, since at that time, their spending typically increases dramatically and they are often in the market for new services. Mailers currently have several resources available to identify customer moves. Such resources, however, are only available after the customer moves and the search must be initiated by the individual mailer. The mailer must then react to the change, possibly after several missed communications with the mover. The only exception is if the mover notifies the mailer directly, but most movers do not immediately do this because it is a time consuming process or they mistakenly think that by notifying the postal service (e.g., USPS), all mailers will be automatically notified as well.
Some of the methods/services that mailers currently use to identify customer moves include Ancillary Service Endorsements (ASE), Address Change Service (ACS™), NCOALink®, or some other custom United States Postal Service (USPS) approved solution. ASE and ACS™ are post-mailing notification methods for returning information to mailers about mailpieces that were not forwarded or that were undeliverable. These notifications may take weeks or even months for the mailer to receive. NCOALink® is a service that may be used to compare a mailer's address list to a database owned and updated by the USPS which contains permanent National Change of Address (NCOA) records filed with the USPS over the last 48 months by employing proprietary matching algorithms. It is up to each mailer to initiate these checks on a regular basis. The problems with the NCOA based methods include the fact that the information is only released periodically (monthly for users or weekly for service providers), the fact that it may take weeks from the time that a mover files a change of address to the time it makes it to an NCOA update, and the fact that they rely on the individual mailers to initiate a check.
Furthermore, even though, as described above, there are a number of resources available for mailers to identify customer moves, many mailers are unwilling to make changes to their address lists without an explicit request from the mover. Such mailers often wish to confirm changes based on account types or numbers and/or other information that is specific to the mailer. Thus, for a mover to make an address change with such a mailer, it is typically necessary for the mailer to find several pieces of information, such as a way to contact the mailer (e.g., phone number, address or web site), an account number and/or recent transaction information (for authentication purposes). The mover will need to find such information for every mailer with which the mover wishes to change their address, which often proves to be difficult and time consuming, particularly since it is often the case that such information is packed away when a mover moves. In addition, while many mailers provide various methods for movers to notify them of a change of address, such as change of address forms on the backs of bills, telephone helpdesks, web sites with an electronic change of address form, and periodic mailings with change of address forms, all of these methods must be initiated by the mover for each individual mailer, which can be time consuming and inconvenient.
Thus, there is a need for one or more methods for updating the address lists of mailers to stay current in light of customer moves and/or for simplifying and facilitating the process by which a mover changes an address or other contact information with one or more mailers.
In one embodiment, the invention provides a method of facilitating the maintenance of an address list of each of a plurality of mailers. The method includes maintaining master address information based on current address list information received from each of the mailers, and receiving change of address information specifying a new address for each of a plurality of movers that is based on a change of address filed by each of the movers with a postal service or a third party working on behalf of the postal service. The method further includes comparing the change of address information to the master address information to determine a plurality of matching movers included in both the change of address information and the master address information and providing each of the matching movers with a list of one or more particular ones of the mailers that have the matching mover listed on their current address list. Finally, the method includes for each of one or more responding matching movers: (i) receiving a change of address notification authorization from the responding matching mover which identifies a selected one or more of the mailers included in the list provided to the responding matching mover, and (ii) notifying each of the selected mailers of the new address of the responding matching mover.
In another embodiment, the invention provides a method of facilitating the maintenance of an address list of each of a plurality of mailers in response to a change of address request being provided to a postal service or a third party working on behalf of the postal service by a mover that specifies new contact information (e.g., mailing address, phone number and/or email address) for the mover. The method includes maintaining master address information based on current address list information received from each of the mailers and processing the mover against the master address information to generate a list of one or more particular ones of the mailers that have the mover listed on their current address list, wherein the list of mailers was provided electronically to the mover. Finally, in response to receiving a change of address notification authorization from the mover identifying a selected one or more of the listed the mailers, the method includes notifying each of the selected mailers of the new contact information of the mover. The method may further include steps of generating an electronic change of address form including the list of particular mailers and electronically providing the electronic change of address form to the mover. The method may also further include electronically receiving the change of address notification authorization from the mover, wherein the change of address notification authorization is a completed version of the electronic change of address form.
Still another embodiment provides a method that is provided in conjunction with an electronic bill payment system through which a party makes payments to one or more payees. The method is a method of assisting the party to notify a selected one or more of the payees of one or more changes in contact related information for the party that includes receiving a request from the party to assist with a contact information change, in response to receiving the request, providing a list of the payees to the party, receiving a notification authorization from the party identifying the selected one or more of the payees, and providing to each of the selected one or more of the payees: (i) changed contact information for the party, and (ii) one or more pieces of information associated with the payee and the party which may be used by the payee to authenticate the party. The changed contact information may include one or more of a mailing address, a telephone number or an email address. Also, the one or more pieces of information associated with the payee and the party may include an account number and/or information relating to one or more transactions between the party and the payee.
Therefore, it should now be apparent that the invention substantially achieves all the above aspects and advantages. Additional aspects and advantages of the invention will be set forth in the description that follows, and in part will be obvious from the description, or may be learned by practice of the invention. Moreover, the aspects and advantages of the invention may be realized and obtained by means of the instrumentalities and combinations particularly pointed out in the appended claims.
The accompanying drawings illustrate presently preferred embodiments of the invention, and together with the general description given above and the detailed description given below, serve to explain the principles of the invention. As shown throughout the drawings, like reference numerals designate like or corresponding parts.
As is known, when a mover is relocating, the user may submit a change of address (COA) form with the USPS in order to have that mover's mail forwarded to the mover's new address. This may be done physically by the user by manually filling out a paper form and submitting it to the USPS. Alternatively, the mover may file a COA electronically, such as through the Internet, using the mover computing device 15 by completing an electronic form that is provided to the mover computing device 15 through the network 10 by the postal service server 20, and submitting the completed form to the postal service server 20 through the network 10.
Furthermore, the system 5 includes a service provider server 25, which may be one or more server computers, one or more PCs, or a combination thereof, which is in electronic communication with the network 10. The service provider server 25 is under the control and operation of a third party service provider that provides various services described elsewhere herein. The service provider server 25 is operatively coupled to a service provider database 30, the function of which is described elsewhere herein. Finally, the system 5 includes a plurality of subscribing mailer computing systems 35 which are under the control and operation of a plurality of mailers that wish to obtain the various address change services described herein. Each of the subscribing mailer computing systems 35 is in electronic communication with the network 10.
Referring to
Next, referring to
In particular, in the preferred embodiment, the kit that is generated in step 75 comprises a single, consolidated mailpiece that includes the following items: (i) a cover letter explaining the service and why it is necessary even though the mover has already submitted a change of address form to the USPS, (ii) a form that includes a listing of each mailer that has the mover on their address list, a check box for each such mailer that enables the mover to indicate that the mover desires the third party service provider to update the mover's address information for that mailer and a place for the mover to sign his or her name (for authentication purposes), and (iii) a business reply envelope (BRE) for returning the form to the third party service provider. An example cover letter is shown in
Finally, according to a further aspect of the present embodiment, the third party service provider will periodically transmit to each subscribing mailer the aggregate address change information for the mailer so that the mailer can make changes to its address list as appropriate. Preferably, this is done by transmitting that information electronically from the service provider server 25 to each subscribing mailer computing system 35 over the network 10 using a secure channel. Alternatively, rather than being transmitted periodically as just described, the address change information could be transmitted to each mailer as appropriate immediately after being identified from completed mover forms. Thus, according to the just described embodiment, mailers will automatically receive address change information for maintaining their address lists without having to initiate such action on their own.
Moreover, the concept of the kit comprising the single, consolidated mailpiece described above and shown in
In an alternative embodiment, the present invention provides a method for proactively updating the address list of a plurality of mailers that is initiated at the same time that a COA form is filed with the USPS by or on behalf of a mover. In this embodiment, the method steps shown in
Next, at step 105, the COA request is processed against the master address list maintained by the third party service provider. In particular, in one particular embodiment, the postal service server 20 transmits the COA information for the mover to the service provider server 25 through the network 10 using a secure channel. The service provider server 25 then compares the received COA information to the master address list to determine whether the mover is included in the master address list (and thus is on one or more current subscribing mailers address lists). Based on this comparison, the service provider server 25 generates a list of mailers, if any, that have the mover on their current address list and transmits that list of mailers, or an indication that the mover is not included in the master address list, as appropriate, to the postal service server 20 through the network 10 using a secure channel. Upon receiving this information, the postal service server 20, as indicated at step 110, determines whether the mover was found on the master address list and thus needs to have a mailer-specific change of address form presented to them. If the answer at step 110 is no, then the method ends and the postal service server 20 waits for the next COA request to be received for processing as described herein. If, however, the answer at step 110 is yes, then, at step 115, the postal service server generates and electronically transmits to the mover (i.e., to the mover's mover computing device 15) an electronic mailer-specific change of address form, which is preferably a web-based form that is transmitted over the Internet. An example form is shown in
At step 120, the postal service server 20 receives the completed mailer-specific change of address form from the mover through the network 10 (the form serves as change of address notification authorization). As was the case with the embodiment described in connection with
Moreover, one place where many movers maintain a list of companies with specific account numbers is in financial institution software such as an electronic bill payment system like those implemented by banks or other financial institutions and those found in accounting software. According to a further embodiment, the present invention provides a method for enabling parties (such as an individual or a business entity) to change their address or other contact information for multiple mailers using a bill payment application that has the billing information needed to authenticate the mover to the mailer, including, without limitation, account numbers, addresses, and recent transactions. In this embodiment, the party has the ability to select which mailers should be notified of the new address. The mailers can then update their address lists before any lost or delayed communication with the party.
This embodiment contemplates that the party that implements the bill payment application will enter into agreements with various mailers to provide verified change of address information for some predetermined fee.
The system 150 further includes a financial institution server 165, which may be one or more server computers, one or more PCs, or a combination thereof. The financial institution server 165 is under the control and operation of a financial institution or other entity that implements a bill payment application being used by the party. Finally, the system 150 includes a plurality of subscribing mailer computing systems 170 which are under the control and operation of a plurality of mailers that wish to obtain the address change services of the present embodiment. Those mailers will correspond to the payees described below. Each of the subscribing mailer computing systems 170 is in electronic communication with the network 155.
According to the present embodiment, when a party desires to change his or her address or other contact information (such as telephone number, email address, etc), the party will access a web site maintained by the financial institution server 165 using the party's mover computing device 160. The party will then need to be authenticated using a username and password or some other similar mechanism. As will be appreciated, the username and password or other mechanism will already be in place as they will need to be used by the party for authentication when using the bill payment system implemented by the financial institution. After authentication, the party's mover computing device 160 is presented with a web page for updating their address or other contact information with the financial institution. After completing this information, the party is presented with an option to change their information with their “payees” listed in the bill payment application. If the party decides to proceed with that option, they will be presented with another web page that allows the party to provide/select which address or contact information they wish to use with each listed payee. An example of such a web page is shown in
While preferred embodiments of the invention have been described and illustrated above, it should be understood that these are exemplary of the invention and are not to be considered as limiting. Additions, deletions, substitutions, and other modifications can be made without departing from the spirit or scope of the present invention. Accordingly, the invention is not to be considered as limited by the foregoing description but is only limited by the scope of the appended claims.