Abstract: A system of bill presentment and bill payment. The parties to the process, which typically include the bill presenter, bill payer, and bank, credit card company or other intermediary, select from a number of choices in the selection of information to include in the bill, preparation of the bill, acceptable payment methods, means to send the bill and bill payment instrument, means of signing the bill, bill payment instrument, receipt acknowledging deposit and payment, method of recording and reconciling payments, and further actions. An accumulation of choices by the involved parties can include digital information in each step that represents all of the significant data accumulated up to and including that step. That digital data preferably includes digital signatures of each party at each step so as to provide an audit trail in purely digital form.

Abstract: A method of formatting digital data and a method of decoding the formatted digital data. User selectable format parameters vary the dimensions and other attributes of spots and the cells containing those spots as well as other features which the formatting process formats into a pattern. A method of encoding the formatted digital data using these format parameters allows for encoding a substrate optimally for any given printer or scanner. One embodiment provides for markers to facilitate determination of cell locations. In one embodiment the decoding process achieves a pyramid gain of knowledge by locating a landmark (801), which is located in a known position relative to a metasector (802), which contains information about the encoding process used to encode the main body of data (803), which the decoding process decodes to recover the original digital data. Further embodiments include encryption, transmission by facsimile, inclusion of human readable information, and automatic launches of computer files.