Patent ID: 7395243

Claim:
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.