Abstract: A technique for identifying electronic billers of a consumer whose bills are available by electronic presentment is provided. A request to identify electronic billers of the consumer is received. This request includes information that identifies the consumer, but excludes any information identifying any biller, electronic or not, of the consumer. From this information that does not identify any biller of the consumer, one more candidate electronic billers of the consumer are identified. Then, a positive determination is made that at least one of these candidate electronic billers is definitely an electronic biller of the consumer. Thus, electronic billers of the consumer are identified without the consumer identifying any biller.

Abstract: A technique for identifying a payees and billers to be paid by an electronic commerce service provider on behalf of a consumer is provided. An electronic commerce service provider receives information identifying a consumer. The consumer identifying information does not identify any payee or biller. The electronic commerce service provider identifies one or more candidate payees by accessing at least one of credit report information, geographic information, industry classification information, and socio-demographic information. The service provider then presents identified candidate payees to the consumer.

Abstract: A technique for identifying payees to be paid by an electronic commerce service provider on behalf of each of a plurality of consumers is provided. A first consumer transmits information identifying himself or herself. A second consumer also transmits information identifying himself or herself. The information identifying the first consumer and the information identifying the second consumer each lack any information identifying any payee. The first consumer receives information identifying a first potential payee from the electronic commerce service provider. The second consumer receives information identifying a second potential payee from the electronic commerce service provider. The second consumer does not receive information identifying the first potential payee. The first consumer has never before identified the first potential payee to the electronic commerce service provider, and the second consumer has never before identified the second potential payee to the electronic commerce service provider.

Abstract: A technique for identifying electronic billers of a consumer whose bills are available by electronic presentment is provided. A request to identify electronic billers of the consumer is received. This request includes information that identifies the consumer, but excludes any information identifying any biller, electronic or not, of the consumer. From this information that does not identify any biller of the consumer, one more candidate electronic billers of the consumer are identified. Then, a positive determination is made that at least one of these candidate electronic billers is definitely an electronic biller of the consumer. Thus, electronic billers of the consumer are identified without the consumer identifying any biller.