Using payment mode rankings responsive to item attributes

• US 20080313045A1
• Filed: 08/06/2008
• Published: 12/18/2008
• Est. Priority Date: 02/28/2006
• Status: Active Grant

• Current Assignee: The Invention Science Fund I, L.L.C. (Intellectual Ventures LLC)
• Original Assignee: Searete LLC (Intellectual Ventures LLC)
• Inventors: Rinaldo, John D. JR., Lord, Robert W., Jung, Edward K.Y., Levien, Royce A., Wood, Lowell L. JR., Malamud, Mark A.
• Granted Patent: US 8,200,579 B2
• Time in Patent Office: Days
• US Class Current: 705/14
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A method and system are described for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints and transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking.

Claims

1-31. -31. (canceled)

32. A system comprising:

means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints; and

means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking.

33. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for indicating the first item and a second item via a common image.

34. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for indicating the first payment mode and a second payment mode via a common image.

35. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for indicating the first mode ranking in an image containing the indication of the first payment mode.

36. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for transmitting the indication of the first payment mode to a display.

37. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for transmitting at least the indication of the first payment mode to a user interface; and

means for receiving a heterogeneous payment authorization via the user interface.

38. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for transmitting an authorization to use the first payment mode.

39. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for transmitting an indication of one or more substantive attributes of the first payment mode, responsive to an indication of a user action.

40. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for receiving via a wireless linkage a common image containing at least the indication.

41. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for associating a common control with a payment indication of the first item to a first payee by the first payment mode and with a payment indication of a second item to a second payee by a second payment mode; and

means for detecting an actuation of the common control.

42. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for dissociating the first item from the first payment mode, responsive to an indication of a user input.

43. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for displaying a control in a grid cell, the grid cell indicating an association between the first payment mode and the first item.

44. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for indicating one or more criteria for validating a payee of the first item.

45. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for transmitting a message including at least the indication of the first payment mode and a representation of a value of a discount in the first item.

46. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for transmitting a message including at least a quantitative attribute of the first payment mode as the indication of the first payment mode.

47. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for itemizing the first item by indicating at least a first quantity and a second quantity of the first item.

48. The system of claim 32, in which the means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

means for displaying at least the indication of the first payment mode via a portable device.

49. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for receiving an indication of a user actuation of a control; and

means for modifying at least one of the first mode ranking or the second mode ranking, responsive to the actuation.

50. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for receiving an update of at least one of the first payment mode or the first item.

51. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for receiving an update of at least one of the first item or a first payee.

52. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for obtaining at least the first mode ranking and the second mode ranking by applying an updated ranking model.

53. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for generating the one or more categorical attributes of the first item from a description of the first item.

54. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for receiving the one or more categorical attributes of the first item.

55. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for including a product-dependent constraint in the one or more payment mode use constraints.

56. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for including a provider-dependent constraint in the one or more payment mode use constraints.

57. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for applying the one or more payment mode use constraints to a description of the first item.

58. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for including in a common image a type identification of the first item and a type identification of a second item.

59. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for transmitting a first component and a second component of the first item, responsive to an indication of a user input.

60. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for spawning a second item from the first item, responsive to an indication of a user input.

61. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for receiving at least the first mode ranking and the second mode ranking from a network.

62. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for updating at least one of the one or more payment mode use constraints, responsive to an indication of a user input.

94. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for associating a common control with a payment indication of the first item to a first payee by the first payment mode and with a payment indication of a second item to a second payee by a second payment mode;

means for displaying the common control in a grid cell, the grid cell indicating an association between the first payment mode and the first item;

means for indicating the first item, the second item, the first payment mode, the second payment mode, and the first mode ranking via a common image;

means for transmitting an authorization to use the first payment mode; and

means for detecting an actuation of the common control.

95. The system of claim 32, in which the means for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

means for indicating the first item, a second item, the first payment mode, a second payment mode, and the first mode ranking via a common image;

means for indicating one or more criteria for validating a payee of the first item;

means for transmitting a message including at least the indication of the first payment mode and a representation of a value of a discount in the first item;

means for transmitting an authorization to use the first payment mode;

means for transmitting a message including at least a quantitative attribute of the first payment mode as the indication of the first payment mode;

means for transmitting an indication of one or more substantive attributes of the first payment mode, responsive to an indication of a user action;

means for itemizing the first item by indicating at least a first quantity and a second quantity of the first item;

means for displaying at least the indication of the first payment mode via a portable device; and

means for receiving a heterogeneous payment authorization via the portable device.

63-93. -93. (canceled)