Electronic Bill Presentment and Payment
Purchasing Options
Features
Summary
Electronic bill presentment and payment (EBPP) is revolutionizing the billing process by offering online and real time presentment of bill content and payment choices. EBPP is the easy way of viewing billing status, remittance items, and presenting balances using a universal browser from any location. In contrast to paper-based bills, electronic billing enables service providers to combine billing with advanced customer care and improved customer relationship management.
Electronic Bill Presentment and Payment presents the essentials about this new way of viewing and paying bills. The author defines basic business models, such as biller direct and various consolidator model options, allocates the right tools to each of the models, and differentiates between the needs of principal industries. The text describes how to build and implement value added capabilities such as personalization, up-selling, online dispute management, and better control of the accounts payable and receivable process can significantly improve customer care and customer relationship management on behalf of service providers.
About the Author:
Kornel Terplan is a telecommunication expert with more than 30 years of highly successful multi-national consulting experience. He has provided consulting, training, and product development services to over 75 national and international corporations on four continents. He has served on the editorial board for over 140 articles, 22 books, and 115 papers. Dr. Terplan has designed five network management related courses and conducted over 80 seminar presentations in 15 countries.
Table of Contents
Introduction to EBPP
Definition of Electronic Bill Presentment and Payment
EBPP Service Types and Basic Business Models
EBPP Evolution Phases
EBPP Entities and Players
Who Is Using Electronic Bill Presentment and Payment
Requirements for EBPP
Driving Forces for EBPP
Challenges to EBPP
The Billing Process
Creation of the Bill
Presentment of the Bill
Payment
Comparison of Paper-Based and Electronic Solutions
Operational Aspects
Business Models for EBPP
Biller Direct
E-Mail
Consolidator Alternatives
Consumer-Centric Aggregation
Use of Portals
Service Bureau
Application Service Provider
Invited Pull
Comparison of Business Models
Value-Added Attributes of EBPP
Value-Added Features to EBPP Core Solutions
Electronic-Component Composition
Content Authoring and Deployment
Customer Relationship Management (CRM)
Use of EBPP for Business-to-Business (B2B) Relationships
Use of EBPP for Business-to-Consumer (B2C) Relationships
Use of EBPP in Small and Medium Enterprises (SME) and Small-Office and Home-Office (SOHO) Environments
Real-Time and Convergent Mediation
Risks, Security, and Privacy with EBPP Business Models
and Solutions
The EBPP Security Assurance Process
Security Risks with EBPP
Security Solutions
Data Privacy
Legal Issues
Identrus Case Study
Open Platform for Security (OPSEC)
Documentation and Payment Standards for EBPP
Documentation Standards
Payment StandardsAlliances among EBPP Entities
EBPP Service Providers and Products
Software Vendors and Application Service Providers
Financial Service Providers
Billing Service Providers
Consolidators and Aggregators
Portals, Distributors, and Exchanges
Document and Postal Service Outsourcers
Service Bureaus
The Selection Process
EBPP Operating Concepts
Fault and Performance Management
Storage Management
Data Warehousing for Maintaining Data
Support Systems and Management Applications
Integration of Core and Management Applications
Case Studies of Successful EBPP Implementations
Case Study 1 - HTC with WebOSS to Implement EBPP
Case Study 2 - CheckFree/Daleen/Cbeyond with Paperless Bill Presentment and Payment
Case Study 3 - The Pitney Bowes Story
Summary and Trends of Designing, Implementing, and Operating EBPP Solutions
Benefits of Offering and Using EBPP
Positioning EBPP
Key Issues to Be Solved for Successful EBPP Applications
Successful Business Models - Impact of Demographics
Regional Expectations
Summary
Acronyms
Bibliography
Index
Each chapter concludes with a summary
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