Bill processing and payment services rendered to a biller, lock box or third party payee to permit the biller, lock box or third party payee to initiate a billing transaction to a payor and to receive payment via cellular phone text messaging

Bill processing software used by a biller, lock box or third party payee to permit the payee to initiate a billing transaction to a payor and to receive payment from the payor via cellular phone text messaging, and manuals and documentation distributed therewith