As an alternative to bill payments made with paper checks, customers are provided with “Sign-to-Pay” payment coupons along with their bills. A customer elects to pay the bill either by check or by returning the “Sign-to-Pay” payment coupon. The coupon will not contain the customer's checking...http://www.google.se/patents/US7613656?utm_source=gb-gplus-sharePatent US7613656 - Coupon payment system
