Appeal No. 2003-2167 Page 5
Application No. 09/903,500
information. Then after reviewing information presented for the first debtor account, the
computer would decide whether a payment was required for that debtor, and, if so,
generate an invoice for the first debtor account so that the creditor's address is in a
consolidated position on the invoice for use with a return envelope having a window and
so that the debtor's current address is also in a consolidated position on the invoice for
use with a shipping envelope having a window. The computer would then determine
from the information in the database whether or not the first debtor has signed an
agreement to pay transmittal charges associated with a return envelope. If the debtor
has signed such an agreement, the transmittal charges would be added to the invoice.
The computer would then direct a printer to print an invoice for the first debtor.
Comesanas teaches (column 3, lines 5-45) that:
In a second embodiment of the present invention (not shown), it is contemplated
for a creditor have the option to eliminate the step of printing a paper copy of the
invoice when the invoice information is electronically transmitted to the debtor.
Transmittal of the invoice to each debtor is contemplated in two ways. In
today's business environment a shipping envelope is routinely required.
However, in the future, it is contemplated for transmittal of invoices and invoice
payments to be accomplished electronically and for the existence of transmittal
charges for such electronic transmittal. The present invention can be used in an
all-electronic business environment whereby, for the debtor's convenience in
being allowed to make return payments electronically, the debtor signs a print
written agreement that he authorizes being billed on his or her invoice for
electronic transmittal charges that would otherwise be incurred by the creditor for
such electronic return payment and for which the creditor would be unwilling to
pay Should envelopes be required, the computer will determine whether an
address is needed for either the shipping envelope or the pre-paid return
envelope. If addresses are required, the computer will direct a printer to print the
creditor's address on the pre-paid return envelope and the debtor's current
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