US Patent 7747695 System, method and computer readable medium for providing notifications

A system, method and computer readable medium for providing automated notifications generates a list of recipients. The notification preferences of the recipients is determined and a notification generated and formatted in accordance with the recipients' preferences is communicated to the recipient. The notification preferences include a notification type, such as voice, email, SMS etc. The notification may be a notification of an overdue debt which provides the recipient with an avenue to make payment of the debt.