System and method for digital bill presentment and payment

BILL PAYERATTACHES DIGITALS1GNATURE TO PURCHASE ORDER M01

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BILL PRESENTER ATTACHES DIGITAL SIGNATURE TO BILL |M02

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BILL PAYERATTACHES DIGITALSIGNATURE TO . ...

BILL PAYMENT INSTRUMENT l^403

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BILL PRESENTER ATTACHES DIGITAL SIGNATURE TO ....

DEPOSIT OF BILL PAYMENT INSTRUMENTS ^ 404

ACCEPTING INTERMEDIARY ATTACHES DIGITAL SIGNATURE TO . J „

RECEIPT GIVEN TO BILL PRESENTER MAKING DEPOSIT Is"405

ACCEPTING INTERMEDIARY ATTACHES DIGITAL SIGNATURE TO . . ft .

BILL PAYMENT INSTRUMENT h406

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CLEARING HOUSE ATTACHES DIGITAL SIGNATURE TO

BILL PAYMENT INSTRUMENT M0J

PAYING BANK ATTACHES DIGITAL SIGNATURE TO

BILL PAYMENT INSTRUMENT l^408

BILL PRESENTER ATTACHES DIGITAL SIGNATURE TO

RECEIPT ACKNOWLEDGING PAYMENT T409

FIG. 4

TAX INFORMATION PREPARER PLACES INFORMATION
IN DIGITAL FORMAT ONTO TAX INFORMATION FORMS [" 501

TAX INFORMATION PREPARER SENDS
TAX INFORMATION FORM TO TAXPAYER ^ 502

TAXPAYER SCANS AND DECODES TAX INFORMATION FORM kso3

TAXPAYER PREPARES TAX RETURN
THAT INCLUDES DIGITAL INFORMATION h504

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TAXPAYER SENDS TAX FETURN TO TAXING AUTHORITY _ ^505

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TAX AUTHORITY SCANS AN D DECODES
TAX RETURN DIGITAL INFORMATION 1^506

TAX AUTHORITY RECONCILES TAX RETURN ^507

TAXAUTHORITY PROCESSES K rno

DISCREPANCIES FROM RECONCILIATION f508

TAXAUTHORITY PROCESSES TAX RETURN ^509

FIG. 5