Method and apparatus for paying bills electronically using...

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance

Reexamination Certificate

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Reexamination Certificate

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07028008

ABSTRACT:
Data capture which occurs at the consumer end of an electronic bill pay transaction is assisted by machine readable information in a standardized format on an invoice where the machine readable information includes biller identification and a C-B account number and the information is readable at the consumer end without prior arrangements being made specifically between the consumer and the biller. The biller identification is either a universal biller reference number or sufficient information to allow manual identification and contact with the biller. The machine readable information is an optically-readable bar code, characters in a font designed for error-free character recognition by optical or magnetic means.

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Presented by Dennis J. Pope, Manufacturers Hanover Trust, New York, NY.

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