Appeal Number: 2006-1650
Application Number: 09/903,500
FINDINGS OF FACT
As shown in Figures 1 and 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 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.
(See Comesanas, column 2, line 55 to column 3, line 5).
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 [to] 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.
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Last modified: September 9, 2013