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| CLIENT The person, who uses the services and periodically pays invoices presented to him. |
| SERVICE PROVIDER The Service Provider presents invoices. |
| BANK The bank where customer has account or payment card. |
| E-PAY E-pay - electronic bills presentment and payment system. |
| The service provider periodically sends invoices to the customer. When customer registers in E-pay system he starts receiving invoices via Internet instead of mail. |
| Registered user has to login to E-pay system. |
| The customer receives invoices from the service provider and he is able to pay for it directly from the E-pay system. |
| The bank receives the acceptance for the payment from customers. |
| The bank transfers money from customer's account to the service provider's account. |
| The service provider sends information about user's invoices/statement to E-pay system. |
