Subscription bill service, systems and methods

• US 10,115,122 B2
• Filed: 04/06/2018
• Issued: 10/30/2018
• Est. Priority Date: 11/21/2011
• Status: Active Grant

• Current Assignee: Nant Holdings IP, LLC (NantWorks, LLC)
• Original Assignee: Nant Holdings IP, LLC (NantWorks, LLC)
• Inventors: Soon-Shiong, Patrick
• Primary Examiner(s): Hayles, Ashford S
• Application Number:
  US15/947,152
• Publication Number:
  US 20180225695A1
• Time in Patent Office: 207 Days
• Field of Search: 705 1423
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

A number of sets of methods, systems, and apparatuses applicable to transactions are disclosed. One set includes transaction systems configured to reconcile a transaction among multiple provider accounts or user accounts via derived object attributes and reconciliation matrices. Another set includes methods of reconciling payment of a coupon. Another set includes transaction apparatuses configured to derive object attributes from digital representations to identify purchasable items. Sill another set includes methods of mitigating risk of transaction fraud.

Claims

1. A mobile reconciliation device, comprising:

an object recognition engine configured to derive at least one object attribute associated with a real-world object based on image data of the real-world object; and

a transaction reconciliation engine coupled with the object recognition engine and comprising a memory storing reconciliation rules, the transaction reconciliation engine configured to;

provide data regarding a mapping, via the reconciliation rules as a function of the at least one object attribute, to a first account and a second account related to the real-world object; and

cause reconciliation of a transaction related to the real-world object among the first account and the second account, wherein the reconciling comprises a transfer of at least a first amount of a payment associated with the first account based on at least a portion of the transaction attributed to a first entity associated with the first account and at least a second amount associated with the second account based on at least a portion of the transaction attributed to a second entity associated with the second account.

2. The device of claim 1, wherein the real-world object comprises a printed media object.

3. The device of claim 2, wherein the printed media object comprises at least one of the following:

a magazine, a newspaper, and a coupon.

4. The device of claim 1, wherein the transaction comprises a payment for a service.

5. The device of claim 1, wherein the reconciling further comprises issuing a check for at least one of the first amount and the second amount.

6. The device of claim 1, wherein the reconciling further comprises crediting at least one of the first account and the second account.

7. The device of claim 1, wherein the reconciling further comprises debiting at least one of the first account and the second account.

8. The device of claim 1, wherein the at least one object attribute includes at least one of the following:

a time, a price, a location, a position, an orientation, a color, a size, a quantity, a quality, a shape, an availability, a make, a model, a cost, a message, metadata, a logo, an account number, a biometric, an image, and audio data.

9. The device of claim 1, wherein at least one of the first and the second account comprises one of the following types of accounts:

a provider account, a user account, a loyally account, a credit card account, a bank account, a frequent flyer account, a virtual world account, a game account, and a subscription account.

10. The device of claim 1, wherein the reconciliation rules comprise a reconciliation matrix.

11. The device of claim 10, wherein the reconciliation matrix comprises a mapping of the at least one object attribute, based on a recognition signature, to at least the first account and the second account.

12. The device of claim 11, wherein the recognition signature comprises attribute values related to the at least one object attribute.

13. The device of claim 1, wherein the transaction reconciliation engine is further configured to authenticate the transaction as a function of transaction attributes.

14. The device of claim 13, wherein the transaction attributes include at least one of the following:

a location, a time, a make, a model, a consumer ID, a device ID, a motion, a fingerprint, a signature, and a voice.

15. The device of claim 1, further comprising a cell phone that includes the recognition engine.

16. The device of claim 1, further comprising a cell phone that includes the transaction reconciliation engine.

17. The device of claim 1, wherein the entity includes at least one of the following:

a user, a coupon provider, a vendor, a cell phone carrier, a bank, and a third party exchange.

18. The device of claim 1, wherein the reconciliation rules operate as a function of a vector of attribute values.

19. The device of claim 18, wherein the vector of attributes values includes values for at least one of the following:

an account holder identity, an image, a name, an age, an identification number, a bar code, a QR code, a location, an authorization, a motion, a finger print, a signature, and a voice.

20. The device of claim 1, wherein the reconciliation comprises a medical payment for a medical procedure, and wherein at least one of the first entity and the second entity are healthcare providers.

21. A method comprising:

deriving, by an object recognition engine, at least one object attribute associated with a real-world object based on image data of the real-world object;

providing, by a transaction reconciliation engine, data regarding a mapping, via reconciliation rules as a function of the at least one object attribute, to a first account and a second account related to the real-world object; and

causing, by the transaction reconciliation engine, reconciliation of a transaction related to the real-world object among the first account and the second account, wherein the reconciling comprises a transfer of at least a first amount of a payment associated with the first account based on at least a portion of the transaction attributed to a first entity associated with the first account and at least a second amount associated with the second account based on at least a portion of the transaction attributed to a second entity associated with the second account.

22. A non-transitory computer-readable medium having computer instructions stored thereon, which, when executed by a processor, cause the processor to perform one or more steps comprising:

deriving at least one object attribute associated with a real-world object based on image data of the real-world object;

providing data regarding a mapping, via reconciliation rules as a function of the at least one object attribute, to a first account and a second account related to the real-world object; and

causing reconciliation of a transaction related to the real-world object among the first account and the second account, wherein the reconciling comprises a transfer of at least a first amount of a payment associated with the first account based on at least a portion of the transaction attributed to a first entity associated with the first account and at least a second amount associated with the second account based on at least a portion of the transaction attributed to a second entity associated with the second account.