Identity protection technique in matching consumers with electronic billers

• US 20040133513A1
• Filed: 11/01/2002
• Published: 07/08/2004
• Est. Priority Date: 11/01/2002
• Status: Abandoned Application

• Current Assignee: Checkfree Corporation (Fiserv Incorporated)
• Original Assignee: Checkfree Corporation (Fiserv Incorporated)
• Inventors: Harris, Mark T., McCoy, Randal
• Application Number:
  US10/285,664
• Publication Number:
  US 20040133513A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A for identifying billers having bills available for electronic presentment for a consumer without sharing personal information of the consumer and personal information of customers of an electronic biller is provided. Consumer identifying information is transformed into a unique consumer value that does not reveal the consumer identity information. Customer identifying information is transformed into a unique customer value that does not reveal the customer identity information. The two values are compared, and if the values match, the consumer is a customer of the electronic biller.

Claims

1. A method for an electronic bill presentment service provider to identify one or more of a plurality of billers having bills available for electronic presentment to a consumer without revealing consumer identity information to any of the plurality of electronic billers and without electronic biller customer identity information being revealed to the electronic bill presentment service provider, comprising:

transforming the consumer identity information into a unique consumer value not revealing the consumer identity information;

transforming electronic biller customer identity information of each of a plurality of customers of a first of the plurality of electronic billers into a plurality of unique customer values, each of the plurality of unique customer values being associated with a respective one of the plurality of customers and not revealing the electronic biller customer identity information;

determining if the unique consumer value matches with one of the plurality of unique customer values; and

identifying the first electronic biller as an electronic biller having electronic bills available for the consumer if the match is determined.

2. The method of claim 1, wherein the first electronic biller determines if the unique consumer value matches with one of the plurality of unique customer values, and the electronic bill presentment service provider identifies the first electronic biller if the match is determined, and further comprising:

transmitting the unique consumer value to the first electronic biller prior to the determining;

receiving, by the electronic bill presentment service provider and from the first electronic biller, information associated with the determination.

3. The method of claim 1, wherein the electronic bill presentment service provider determines if the unique consumer value matches with one of the plurality of unique customer values and identifies the first electronic biller if the match is determined, and further comprising:

transmitting the plurality of unique customer values to the electronic bill presentment service provider prior to the determination.

4. The method of claim 3, wherein the consumer is a first consumer, the consumer identity information is first consumer identity information, and the unique consumer value is a first unique consumer value, and further comprising:

storing, by the electronic bill presentment service provider, the received plurality of unique customer values;

transforming second consumer identity information associated with a second consumer into a second unique consumer value not revealing the second consumer identity information;

retrieving, by the electronic bill presentment service provider, the stored plurality of unique customer identifiers;

determining, by the electronic bill presentment service provider, if the second unique consumer value matches with one of the retrieved plurality of unique customer values; and

identifying, by the electronic bill presentment service provider, the first electronic biller as an electronic biller having electronic bills available for the second consumer if the match between the second unique consumer value and one of the plurality of unique customer values is determined.

5. The method of claim 1, wherein:

the consumer identity information is transformed into the unique consumer value by one of the electronic bill presentment service provider and a consumer identity service; and

the customer identity information is transformed by one of the first electronic biller and the consumer identity service.

6. The method of claim 1, wherein:

the consumer identity information is transformed by applying a one-way hash to the consumer identity information; and

the customer identity information of each of the plurality of customers is transformed by applying the one-way hash to the identity information of each of the plurality of customers.

7. The method of claim 1, further comprising:

transforming, by the electronic bill presentment service provider, the consumer identity information into candidate electronic biller identity information identifying at least a first candidate electronic biller of the consumer;

wherein the first electronic biller is a first candidate electronic biller identified by the candidate electronic biller identity information; and

the determination if the unique consumer value matches with one of the plurality of unique customer values is made responsive to identifying the first electronic biller as a candidate electronic biller.

8. The method of claim 7, wherein the electronic bill presentment service provider is an electronic bill presentment and payment service provider, and transforming the consumer identity information into the candidate electronic biller identity information includes:

accessing, by the electronic bill presentment and payment service provider and based upon the consumer identity information, at least one of a) a payments database storing information associated with providing the payment service to the consumer, b) a credit report database storing credit report information of the consumer, c) a residency database storing information associated with a residency location of the consumer, and d) a socio-demographic database storing information associated with a socio-demographic status of the consumer; and

identifying candidate electronic biller identity information which identifies at least one candidate electronic biller based upon information contained in the at least one accessed database.

9. The method of claim 8, wherein:

the payments database includes information identifying at least one of a payee that the electronic bill presentment and payments service provider has paid on behalf of the consumer, a payee that the consumer has identified as a potential payee, and the consumer;

the credit report database includes information identifying creditors of the consumer;

the residency database includes information identifying electronic billers having customers in the residency location of the consumer; and

the socio-demographic database includes information identifying electronic billers having customers having the socio-demographic status of the consumer.

10. The method of claim 1, wherein the electronic bill presentment service provider identifies the one or more of the plurality of billers having bills available for electronic presentment to the consumer responsive to the consumer requesting the electronic bill presentment service provider to identify electronic billers of the consumer.

11. The method of claim 1, wherein the unique customer value is a first unique customer value and the plurality of unique customer values is a first plurality of unique customer values, and further comprising:

transforming the consumer identity information into a second unique consumer value not revealing the consumer identity information;

transforming electronic biller customer identity information of each of a plurality of customers of a second of the plurality of electronic billers into a second plurality of unique customer values, each of the second plurality of unique customer values being associated with a respective one of the plurality of customers of the second biller and not revealing the electronic biller customer identity information of the customers of the second electronic biller, the plurality of customers of the second electronic biller being different than the plurality of customers of the first electronic biller;

determining if the second unique consumer value matches with one of the second plurality of unique customer values; and

identifying the second electronic biller as an electronic biller having electronic bills available for the consumer if the match is determined.

12. A system for an electronic bill presentment service provider to identify one or more of a plurality of billers having bills available for electronic presentment to a consumer without revealing consumer identity information to any of the plurality of electronic billers and without electronic biller customer identity information being revealed to the electronic bill presentment service provider, comprising:

a first processor configured to transform the consumer identity information into a unique consumer value not revealing the consumer identity information, the first processor being associated with an entity other than any electronic biller;

a second processor configured to transform electronic biller customer identity information of each of a plurality of customers of a first of the plurality of electronic billers into a plurality of unique customer values, each of the plurality of unique customer values being associated with a respective one of the plurality of customers and not revealing the electronic biller customer identity information, the second processor being associated with any entity other than the electronic bill presentment service provider;

a third processor configured to determine if the unique consumer value matches with one of the plurality of unique customer values, the third processor being associated with one of the electronic bill presentment service provider and the first electronic biller; and

a fourth processor configured to identify the first electronic biller as an electronic biller having electronic bills available for the consumer if the match is determined, the fourth processor being associated with one of the electronic bill presentment service provider and the first electronic biller.

13. The system of claim 12, wherein:

the third processor is associated with the first electronic biller;

the fourth processor is associated with the electronic bill presentment service provider; and

and the third processor is further configured to receive, via a network, the unique consumer value prior to the determination, and to transmit, via the network and to the fourth processor, information associated with the determination.

14. The system of claim 12, wherein:

the third processor is further configured to receive, via a network, the plurality of unique customer values prior to the determination; and

the third processor and the fourth processor are the same processor associated with the electronic bill presentment service provider.

15. The system of claim 14, wherein the consumer is a first consumer, the consumer identity information is first consumer identity information, and the unique consumer value is a first unique consumer value, and further comprising:

a memory, associated with the electronic bill presentment service provider, configured to store the received plurality of unique customer values;

wherein the first processor is further configured to transform second consumer identity information associated with a second consumer into a second unique consumer value not revealing the second consumer identity information; and

wherein the electronic bill presentment service provider processor is further configured to retrieve the stored plurality of unique customer values from the memory, to determine if the second unique consumer value matches with one of the retrieved plurality of unique customer values, and to identify the first electronic biller as an electronic biller having electronic bills available for the second consumer if the match between the second unique consumer value and one of the plurality of unique customer values is determined.

16. The system of claim 12, wherein:

the first processor is associated with one of the electronic bill presentment service provider and a consumer identity service; and

the second processor is associated with one of the first electronic biller and the consumer identity service.

17. The system of claim 12, wherein:

the consumer identity information is transformed by applying a one-way hash to the consumer identity information; and

the customer identity information of each of the plurality of customers is transformed by applying the one-way hash to the identity information of each of the plurality of customers.

18. The system of claim 12, further comprising:

a fifth processor associated with the electronic bill presentment service provider and configured to transform the consumer identity information into candidate electronic biller identity information identifying at least a first candidate electronic biller of the consumer;

wherein the first electronic biller is a first candidate electronic biller identified by the candidate electronic biller identity information; and

wherein the determination if the unique consumer value matches with one of the plurality of unique customer values is made responsive to identifying the first electronic biller as a candidate electronic biller.

19. The system of claim 18, wherein:

the electronic bill presentment service provider is an electronic bill presentment and payment service provider; and

the fifth processor is further configured to access, based upon the consumer identity information, at least one of a) a payments database storing information associated with providing the payment service to the consumer, b) a credit report database storing credit report information of the consumer, c) a residency database storing information associated with a residency location of the consumer, and d) a socio-demographic database storing information associated wit a socio-demographic status of the consumer, and to identify candidate electronic biller identity information which identifies at least one candidate electronic biller based upon information contained in the at least one accessed database in transforming the consumer identity information into the candidate electronic biller identity information.

20. The system of claim 12, wherein the electronic bill presentment service provider identifies the one or more of the plurality of billers having bills available for electronic presentment to the consumer responsive to the consumer requesting the electronic bill presentment service provider to identify electronic billers of the consumer.