Matching consumers with billers having bills available for electronic presentment

US7526448B2 · kind B2 · utility

Assignee

• CHECKFREE CORPORATION · US

Inventors

• William D. Zielke · Suwanee, US
• John J Frech · Alpharetta, US
• Teri W. Bemis · Marietta, US
• Randal A. McCoy · Sugar Hill, US
• Peter Moenickheim · Dublin, US
• John Alfred Brothers, II · Columbus, US
• Cheryl L. Ward · Hilliard, US
• Richard A. Stratton · Westerville, US
• Casey W. Kozee · Lawrenceville, US
• William McMichael · Haddon Heights, US

Key dates

• Filing date: Nov 1, 2002
• Grant date: Apr 28, 2009
• Expiry date: Jan 26, 2026

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.