Checkfree Corporation

Teri W Bemis

Randal A McCoy

Casey W Kozee

William D Zielke

John J Frech

Hans Daniel Dreyer

Donald Kenneth Hobday, Jr

Mark T Harris

William Richard McMichael

Cheryl Lynn Ward

Peter Moenickheim

John Alfred Brothers, Ii

Richard A Stratton

William R McMichael, Jr

A technique for identifying a candidate electronic biller having bills available for electronic presentment to a consumer is provided. An electronic commerce service provider receives location information of a first consumer. The service provider accesses information associated with providing a payment service to a second consumer located near the first consumer. This accessing is based on the received location information. At least one potential biller of the first consumer is identified in the accessed information.

Technique for identifying probable billers of a consumer

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

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Marietta, GA, United States of America

Teri W Bemis