Technique for identifying probable billers of a consumer
First Claim
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1. A method for identifying a candidate electronic biller having bills available for electronic presentment to a consumer, comprising:
- receiving, at an electronic commerce service provider, information identifying a location of a first consumer;
accessing information, based upon the received location information, associated with the service provider providing a payment service to a second consumer located proximate to the first consumer; and
identifying at least one candidate electronic biller of the first consumer based upon the accessed information.
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Abstract
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.
130 Citations
22 Claims
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1. A method for identifying a candidate electronic biller having bills available for electronic presentment to a consumer, comprising:
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receiving, at an electronic commerce service provider, information identifying a location of a first consumer;
accessing information, based upon the received location information, associated with the service provider providing a payment service to a second consumer located proximate to the first consumer; and
identifying at least one candidate electronic biller of the first consumer based upon the accessed information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A database for storing information associated with payees and payors, comprising:
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a location identifier identifying a common location of one or more payors; and
payee information, stored in association with the location identifier, identifying one or more payees of each of the one or more payors;
wherein storage of payee information identifying any respective payee is not dependent upon a location of that respective payee. - View Dependent Claims (12, 13, 14, 15)
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16. A method for identifying an electronic commerce participant, comprising:
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receiving a zip code in which a first electronic commerce participant is located;
accessing information associated with providing an electronic commerce service to a second electronic commerce participant located in the zip code; and
identifying a third electronic commerce participant as being potentially associated with the first electronic commerce participant based upon the accessed information.
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17. A system for identifying a candidate electronic biller having bills available for electronic presentment to a consumer, comprising:
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a communications interface configured to receive, via a network, information identifying a location of a first consumer;
a memory configured to store information associated with providing a payment service to a second consumer located proximate to the first consumer; and
a processor configured to access the stored information based upon the received location information and to identify at least one candidate electronic biller of the first consumer based upon the accessed information. - View Dependent Claims (18, 19, 20, 21, 22)
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Specification