RXQ Process Flow for Typical Customer Billing and Payment Receives bill Sends account specific payment details to Billing Party Sends authorization to pay bill to bank Details sent to Billing Party bank? Receives Customer authorization to pay bill Sends bill payment to Billing Party bank Receives account specific payment details Receives bill payment Deposits funds in Billing Party bank account Sends deposit information to Billing Party Receives deposit information from bank Receives account specific payment details Creates and sends bill to the Customer Yes Customer Customer Bank Billing Party Bank Billing Party End No

RXQ Process Flow for the Customers Rejection of a Bill Receives bill Continue with processing in accordance with Invalid information? Sends Billing Party a notice that bill is rejected Investigates the cause of the rejection Receives notice that the Customer has rejected the bill Creates and sends bill to the Customer and Yes Customer Customer Bank Billing Party Bank Billing Party No

RXQ Process Flow for the Billing Partys Rejection of a Payment Sends account specific payment detail to Billing Party Receives notice that the Billing Party has rejected the account specific payment detail Sends Customer a notice that account specific payment detail is rejected Continue with processing in accordance with Receives account specific payment detail Customer Customer Bank Billing Party Bank Billing Party Investigates the cause of the rejection Invalid information? No Yes