import json


def check_ebill_name_match(ebill_name_verify, threshold):
    result = 0
    name_matches = json.loads(ebill_name_verify) if ebill_name_verify else None
    if name_matches:
        if int(name_matches.get("applicant_match")) > int(threshold):
            result = 1
        if result == 0 and name_matches.get("co_applicant_match") and int(name_matches.get("co_applicant_match")) >= int(threshold):
            result = 1
    return result

check_ebill_name_match('{"applicant_match": 23, "co_applicant_match": 100}', 80)