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BACKGROUND

Transactions take a number of forms, including paper based transactions. Paper based transactions occur when information is physically written or printed on a surface and a transaction occurs that relies on that information. For example, receiving a printed utility bill in the mail triggers a paper based transaction where the recipient uses the informa tion on the utility bill to submit payment. Paper based trans actions can be completed in a number of ways. For example, the recipient of the bill could physically take the paper to a location and personally complete the transaction. Alterna tively, the recipient could manually fill out a form, write a check for the amount due and submit the form by mail. The recipient could also pay the bill online, by remembering the right URL, entering login details, and re-entering paper spe cific information like the bill number and amount. Each of these methods for completing …