Since banks are among the top producers of bills in the United States, most would welcome a system that could easily transform bills and statements into documents that consumers can review on a bank's Web site. If banks could use this system to cross-sell products and services, so much the better.

Two software providers, INSCI Corp., based in Westborough, MA, and eDocs, Inc., of Westlake Village, CA, have developed such a system, which combines INSCI's Coinserv high volume digital document repositories with eDocs' BillDirect Internet billing system to deliver documents on-line. Coinserv preserves documents in easily retrievable digital form. BillDirect gives customers access to this information in a consumer friendly way. Its one-click bill payment option uses payment technology from CyberCash.

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