Appeal No. 2003-2167 Page 4
Application No. 09/903,500
generating a printed billing statement from said billing information if said
billing information was determined to be transmitted via printed transmission;
converting said billing information for electronic transmission if said billing
information was determined to be transmitted via electronic transmission; and
generating an electronic billing statement from said converted billing
information if said billing information was determined to be transmitted via
electronic transmission.
Comesanas' invention relates to computer programs, specifically to computer
software which directs the printing of customer invoices to include current billing
information and transmittal charges for a pre-paid return envelope which the customer
will receive with the invoice for use in return of the invoice payment and which also
directs collation or assembly of the pre-paid return envelope, the invoice, and the
shipping envelope in which the invoice and pre-paid return envelope will be sent
to the customer.
As shown in Figures 1-2, Comesanas' invention provides an automated,
computer-directed means by which banking institutions and credit card companies may
attempt to expedite the return of invoice payments. At the same time Comesanas'
invention provides a service for customers by providing the customer with a time saving
pre-paid envelope for return of an invoice payment. In the preferred embodiment, after
the computer software billing system is properly loaded into the computer memory and
executed, the computer would access a database containing debtor account
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