Technique for presenting matched billers to a consumer

• US 7,395,243 B1
• Filed: 11/01/2002
• Issued: 07/01/2008
• Est. Priority Date: 11/01/2002
• Status: Expired due to Fees

• Current Assignee: Checkfree Corporation (Fiserv Incorporated)
• Original Assignee: Checkfree Corporation (Fiserv Incorporated)
• Inventors: Frech, John J., Hobday, Donald K. Jr., Harris, Mark T., Dreyer, Hans D., McCoy, Randal A., Bemis, Teri W., Zielke, William D.
• Primary Examiner(s): Trammell; James P.
• Assistant Examiner(s): Wright; J. Bradley
• Application Number:
  US10/285,662
• Time in Patent Office: 2,069 Days
• Field of Search: 705/2, 705/34, 705/39, 705/40, 705/77
• 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 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.

Claims

1. A method, comprising:

receiving, at a service provider, a request to identify one or more billers having bills available for electronic presentment, the received request including information identifying the consumer and excluding information identifying any billers of the consumer; and

determining, by the service provider in response to the received request and from a plurality of billers having bills available for electronic presentment, one or more determined billers of the consumer and one or more candidate billers of the consumer, the consumer having not previously requested the service provider to present bills of the one or more determined billers or the one or more candidate billers; and

transmitting information identifying the one or more determined billers and information identifying in the one or more candidate billers,

wherein the information identifying the one or more determined billers and the information identifying the one or more candidate billers is displayed to one of the consumer or an entity acting on behalf of the consumer, and

wherein the information identifying the one or more determined billers is displayed separate from the information identifying the one or more candidate billers.

2. The method of claim 1, wherein the information identifying the consumer is first information identifying the consumer, the one or more determined billers are first determined billers, and further comprising:

transmitting, subsequent to receiving the request to identify billers having bills available for electronic presentment, a request for second information identifying the consumer;

receiving the second information identifying the consumer responsive to the transmitted request for the second information,

determining, by the service provider based at least in part on the received second information and from the plurality of billers having bills available for electronic presentment, one or more additional determined billers different than first determined billers that are billers of the consumer,

transmitting information identifying the one or more additional determined billers.

3. The method of claim 1, wherein the request is received responsive to the consumer activating a Hyper-link included in a Web page representing an entity other than any of the plurality of billers having bills available for electronic presentment.

4. The method of claim 1, wherein the received request includes information identifying types of billers with which the consumer has a relationship, the information identifying the types of billers excluding information identifying any billers of the consumer.

5. The method of claim 1, wherein the information identifying the consumer is first information identifying the consumer, and further comprising:

transmitting, subsequent to receiving the request to identify billers having bills available for electronic presentment, a request for second information identifying the consumer; and

receiving the second information identifying the consumer responsive to the transmitted request for the second information,

wherein determining the one or more determined billers comprises determining a correspondence between at least a portion of biller customer identifying information and one of at least a portion of the first information or at least a portion of the second information.

6. The method of claim 1, wherein:

the request is received during a communications session; and

the information is transmitted during the communications session.

7. The method of claim 1, wherein determining one or more candidate billers of the consumer comprises identifying a potential relationship between each of the one or more candidate billers and the consumer, the relationship between each of the one or more candidate billers and the consumer being indeterminate.

8. The method of claim 1, wherein the request to identify one or more billers having bills available for electronic presentment is received during an enrollment process of the consumer with the service provider.

9. The method of claim 1, wherein:

the one or more candidate billers comprise a plurality of candidate billers, each of the plurality of candidate billers being associated with a business type; and

information identifying those of the plurality of candidate billers associated with a same business type is displayed together.

10. The method of claim 1, wherein the request is a first request, and further comprising:

receiving a second request to activate the electronic presentment of bills of at least one biller of the one or more determined billers or the one or more candidate billers; and

activating, in response to the received second request, the electronic presentment of bills of the at least one biller;

wherein the activation is based at least in part on previously received information identifying the consumer.

11. The method of claim 1, further comprising:

accessing, by the service provider, at least one database containing biller customer identifying information associated with one or more of the plurality of billers having bills available for electronic presentment,

wherein determining the one or more determined billers comprises identifying a correspondence between at least a portion of the received information identifying the consumer and at least a portion of the accessed biller customer identifying information.

12. A system, comprising:

a communications interface configured (i) to receive a request on behalf of a consumer for a service provider to identify one or more billers having bills available for electronic presentment, the request including information identifying the consumer and excluding information identifying any billers of the consumer, and (ii) to transmit information identifying electronic billers; and

a processor associated with the service provider configured (i) to determine, in response to the received request and from a plurality of billers having bills available for electronic presentment, one or more billers determined to be billers of the consumer and one or more candidate billers of the consumer, the consumer having not previously requested the service provider to present bills of the one or more determined billers or the one or more candidate billers, and (ii) to cause the communications interface to transmit information identifying the one or more determined billers and information identifying the one or more candidate billers,

wherein the information identifying the one or more determined billers and the information identifying the one or more candidate billers is displayed to one of the consumer or an entity acting on behalf of the consumer, and

wherein the information identifying the one or more determined billers is displayed separate from the information identifying the one or more candidate billers.

13. The system of claim 12, wherein:

the information identifying the consumer is first information identifying the consumer,

the one or more determined billers are first determined billers, billers,

the communications interface is further configured to transmit a request for second information identifying the consumer subsequent to receiving the request to identify one or more billers having bills available for electronic presentment, and to receive the second information identifying the consumer responsive to the transmitted request for the second information, and

the processor is further configured to determine, based at least in part on the received second information and from the plurality of billers having bills available for electronic presentment, one or more additional determined billers different than the first determined billers that are also billers of the consumer, and to cause the communications interface to transmit information identifying the one or more additional determined billers.

14. The system of claim 12, wherein the request is received responsive to activation of a Hyper-link included in a Web page representing an entity other than any of the plurality of billers having bills available for electronic presentment.

15. The system of claim 12, wherein the received request includes information identifying types of billers with which the consumer has a relationship, the information identifying the types of billers excluding information identifying any billers of the consumer.

16. The system of claim 12, wherein:

the information identifying the consumer is first information identifying the consumer,

the communications interface is further configured (i) to transmit, subsequent to receiving the request to identify billers having bills available for electronic presentment, a request for second information identifying the consumer, and (ii) to receive the second information identifying the consumer responsive to the transmitted request for the second information,

the processor is further configured to (i) direct the communications interface to transmit the request for the second information, and

the determination of the one or more determined billers comprises a determination of a correspondence between at least a portion of biller customer identifying information and one of at least a portion of the first information or at least a portion of the second information.

17. The system of claim 12, wherein the communications interface is further configured to receive the request and transmit the information identifying the one or more determined billers and the one or more candidate during a single communications session.

18. The system of claim 12, wherein the processor is further configured to determine the one or more candidate billers of the consumer by identifying a potential relationship between each of the one or more candidate billers and the consumer, the relationship between each of the one or more candidate billers and the consumer being indeterminate.

19. The system of claim 12, wherein the request to identify one or more billers having bills available for electronic presentment is received during an enrollment process of the consumer with the service provider.

20. The system of claim 12, wherein:

the one or more candidate billers comprise a plurality of candidate billers, each of the plurality of candidate billers being associated with a business type, and

information identifying those of the plurality of candidate billers associated with a same business type is displayed together.

21. The system of claim 12, wherein:

the request is a first request,

the communications interface is further configured to receive a second request on behalf of the consumer to activate the electronic presentment of bills of at least one biller of the one or more determined billers or the one or more candidate billers, and

the processor is further configured to activate, in response to the received second request and based at least in part on previously received information identifying the consumer, the electronic presentment of bills of the at least one biller.

22. The system of claim 12, wherein the processor determines the one or more determined billers by (i) accessing at least one database containing biller customer identifying information associated with one or more of the plurality of billers having bills available for electronic presentment and (ii) determining a correspondence between at least a portion of the received information identifying the consumer and at least a portion of the accessed biller customer identifying information.

23. A system, comprising:

means for receiving, at a service provider, a request to identify one or more billers having bills available for electronic presentment, the received request including information identifying the consumer and excluding information identifying any billers of the consumer; and

means for determining, by the service provider in response to the received request and from a plurality of billers having bills available for electronic presentment, one or more determined billers of the consumer and one or more candidate billers of the consumer, the consumer having not previously requested the service provider to present bills of the one or more determined billers or the one or more candidate billers; and

means for transmitting information identifying the one or more determined billers and information identifying the one or more candidate billers,

wherein the information identifying the one or more determined billers and the information identifying the one or more candidate billers is displayed to one of the consumer or an entity acting on behalf of the consumer, and

wherein the information identifying the one or more determined billers is displayed separate from the information identifying the one or more candidate billers.