PRODUCTS AND PROCESSES FOR REVENUE SHARING

• US 20090083135A1
• Filed: 09/21/2007
• Published: 03/26/2009
• Est. Priority Date: 09/21/2007
• Status: Abandoned Application

• Current Assignee: CFPH LLC (Cantor Fitzgerald, L.P.)
• Original Assignee: CFPH LLC (Cantor Fitzgerald, L.P.)
• Inventors: LUTNICK, Howard W.
• Application Number:
  US11/859,118
• Publication Number:
  US 20090083135A1
• Time in Patent Office: Days
• US Class Current: 705/14.140
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/145 Payments according to the detected use or quantity
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 30/0212 Chance discounts or incentives
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Various techniques of distributing revenue and/or other money, selecting/bonding delivery agents, and performing other tasks are providing herein. Methods include distributing portions of loan payments to one or more referrers associated with one or more loans, bonding of delivery agents, selecting delivery agents, allocating portions of credit card payments and/or sharing advertisement revenue. Other apparatus and methods are disclosed.

Claims

1. A method comprising:

receiving an indication of a credit card payment;

determining at least one of a type of a credit card and a merchant associated with the credit card payment;

calculating, based, at least in part, on the at least one of the type of the credit card and the merchant, at least a first portion of the credit card payment to allocate to a purchaser associated with the credit card payment; and

calculating at least a second portion of the credit card payment to allocate to the merchant associated with the credit card payment.

2. The method of claim 1, further comprising:

offering at least one of a product and a service from the merchant;

receiving an indication of a purchase of the at least one of the product and the service, wherein the credit card payment includes a payment for the at least one of the product and the service.

3. The method of claim 2, wherein offering the at least one of the product and the service includes indicating at least one price for the at least one of the product and the service, the at least one price being a normal price at which the at least one of the product and the service is offered by the at least one merchant, and wherein the at least one price includes a merchant portion and a fee portion.

4. The method of claim 3, wherein the second portion includes the merchant portion, and the first portion includes at least part of the fee portion.

5. The method of claim 4, wherein the first portion includes a percentage of the fee portion that varies with a magnitude of the payment.

6. The method of claim 1, determining if the type of the credit card and the merchant match.

7. The method of claim 6, wherein determining if the type of the credit card and the merchant match includes determining if the merchant is an issuer of the credit card.

8. The method of claim 6, wherein calculating, based, at least in part, on the at least one of the type of the credit card and the merchant, at least the first portion of the credit card payment to allocate to the purchaser associated with the credit card payment includes calculating at least the first portion of the credit card payment to allocate to the purchaser if the type of the credit card and the merchant are determined to match.

9. A method comprising:

receiving an indication of a referral of a credit card;

receiving an indication of a payment associated with the credit card; and

calculating at least a portion of the payment to allocate to a referrer associated with the referral.

10. The method of claim 9, wherein the indication of the referral includes an indication that at least one of a person and an entity has referred a customer to a credit card company.

11. The method of claim 10, wherein the indication of the referral includes a credit card application.

12. The method of claim 9, further comprising providing a credit card to a target associated with the referral.

13. The method of claim 9, wherein the payment includes at least one of a payment of interest, a payment of principal, and a payment of a fee.

14. The method of claim 9, allocating the portion of the payment to the referrer associated with the referral.

15. The method of claim 9, wherein the portion includes a percentage of at least a part the payment.

16. The method of claim 15, wherein the pat least the part includes at least one of an interest part, a fee part, and a principal part.

17. A method comprising:

providing a user interface, the user interface including at least one advertisement;

receiving at least one payment for inclusion of the at least one advertisement; and

allocating at least a portion of the at least one payment to at least one of a referrer associated with the user interface and a content provider associated with the user interface.

18. The method of claim 17, wherein the user interface includes a delivery service interface.

19. The method of claim 17, wherein the referrer includes at least one of a referrer of an advertiser associated with the advertisement, a referrer of a user accessing the user interface, and a referrer of the content provider associated with the user interface.

20. The method of claim 19, further comprising receiving at least one of an indication of a referral of the advertiser, an indication of a referral of the user accessing the user interface, and an indication of a referral of the content provider.

21. The method of claim 17, wherein the content provider includes at least one of a merchant associated with the user interface, a provider of menu information associated with the user interface, a provider of association information associated with the user interface, and a provider of review information associated with the user interface.

22. The method of claim 17, further comprising receiving an indication of content for the user interface from the content provider.

23. The method of claim 17, wherein content includes at least a portion of information provided through the user interface.

24. The method of claim 17, further comprising receiving at least one representation of the at least one advertisement.

25. The method of claim 17, further comprising providing the portion of the at least one payment to the at least one of the referrer associated with the user interface and the content provider associated with the user interface.