Patent ID: 8073773
Filing Date: 2011-12-06
Classification: G06Q,G07F

Abstract:
1. A computer-implemented method, comprising: receiving, via a network by an electronic commerce service provider system comprising one or more computers, information identifying a location of a first consumer; accessing, by the electronic commerce service provider system, a database including information associated with service provider consumers that the electronic commerce service provider system provides a payment service to; identifying, by the electronic commerce service provider system based at least in part on the accessed information associated with the service provider consumers, a second consumer of the electronic commerce service provider system that has a location proximate to the location of the first consumer; identifying, by the electronic commerce service provider system, one or more payees of the second consumer to whom the electronic commerce service provider system is operable to submit payments on behalf of the second consumer; determining, by the electronic commerce service provider system, that at least one of the one or more payees of the second consumer is an electronic biller having bills available for electronic presentment; and identifying, by the electronic commerce service provider system, the at least one payee having bills available for electronic presentment as a candidate payee of the first consumer.