In some cases, the transfer was made electronically between the consumer’s bank and the biller’s bank. For example, a consumer might visit AT&T’s Web site, view his or her bill, and then authorize the payment to be deducted from his or her checking account. In other cases, the consumer might visit the site of a bill payment service like CheckFree, view a biller’s bill, and authorize payment by paper check that was created and mailed by CheckFree. In other cases, the transfer involved some manual back-end effort. The paper billing statement may have needed to be scanned by CheckFree so it could be presented to the consumer electronically. Once the consumer authorized payment, CheckFree printed and mailed a paper check to the biller, if the biller could not be paid electronically.