Checkfree Corporation

John J Frech

Randal A McCoy

Teri W Bemis

William D Zielke

Hans Daniel Dreyer

Donald Kenneth Hobday, Jr

Mark T Harris

Cheryl Lynn Ward

Peter Moenickheim

Casey W Kozee

John Alfred Brothers, Ii

Richard A Stratton

William R McMichael, Jr

A technique for identifying electronic billers of a consumer whose bills are available by electronic presentment is provided. A request to identify electronic billers of the consumer is received. This request includes information that identifies the consumer, but excludes any information identifying any biller, electronic or not, of the consumer. From this information that does not identify any biller of the consumer, one more candidate electronic billers of the consumer are identified. Then, a positive determination is made that at least one of these candidate electronic billers is definitely an electronic biller of the consumer. Thus, electronic billers of the consumer are identified without the consumer identifying any biller.

Matching consumers with billers having bills available for electronic presentment

A technique for identifying a consumer's electronic billers in which the consumer does not identify billers is provided. The consumer transmits, from a consumer station, a request for a service provider to identify his or her electronic billers. This request includes information identifying the consumer, but excludes any information identifying any biller. In response to the transmitted request, the consumer receives, at the consumer station, a listing of one or more electronic billers of the consumer. That is, these are electronic billers with which the consumer has a relationship. Also, the consumer has not previously requested to the service provider to electronically present bills of any of the electronic billers included in the listing.

Technique for presenting matched billers to a consumer

Growing community of inventors

Alpharetta, GA, United States of America

John J Frech