1
Ray Kolling, William L Powar: Electronic bill pay system. Visa International Service Association, July 6, 1999: US05920847 (744 worldwide citation)

A bill pay system wherein participating consumers pay bills to participating billers through a payment network operating according to preset rules. The participating consumers receive bills from participating billers (paper/mail bills, e-mail notices, implied bills for automatic debits) which indica ...


2
Ray Kolling, Michael Occhino, Jeffrey D Roughgarden, James T Hayward: Electronic statement presentment system. Visa International Service Association, Beyer & Weaver, October 5, 1999: US05963925 (448 worldwide citation)

An electronic statement presentment (ESP) system replaces the preparation and mailing of paper statements and invoices from a biller with electronic delivery. Electronic statements have the same look as paper statements as well as including video, audio, graphics, and custom enclosures. Statements a ...


3
Ray Kolling, Michael Occhino, Jeffrey D Roughgarden, James T Hayward: Electronic statement presentment system. Visa International Service Association, Beyer Weaver & Thomas, May 7, 2002: US06385595 (120 worldwide citation)

An electronic statement presentment (ESP) system replaces the preparation and mailing of paper statements and invoices from a biller with electronic delivery. Electronic statements have the same look as paper statements as well as including video, audio, graphics, and custom enclosures. Statements a ...