PRODUCTS AND PROCESSES FOR MANAGING REVENUE SHARING

• US 20090083168A1
• Filed: 09/21/2007
• Published: 03/26/2009
• Est. Priority Date: 09/21/2007
• Status: Active Grant

• Current Assignee: CFPH LLC (Cantor Fitzgerald, L.P.)
• Original Assignee: CFPH LLC (Cantor Fitzgerald, L.P.)
• Inventors: LUTNICK, Howard W.
• Granted Patent: US 7,788,171 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0208 Trade or exchange of goods or services in exchange for incentives or rewards
• CPC Class Codes: G06Q 30/0214 Referral reward systems
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

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 a first indication of a first information regarding at least one lender;

receiving a plurality of second indications, each of the plurality of second indications indicating a respective second information regarding at least one of a plurality of borrowers; and

determining at least a portion of payments associated with a plurality of loans from the at least one lender to the plurality of borrowers to allocate to at least one referrer, wherein each loan of the plurality of loans includes a loan from the at least one lender to a respective one of the plurality of borrowers.

2. The method of claim 1, wherein the at least one referrer includes a referrer of the at least one lender.

3. The method of claim 2, further comprising receiving at least one indication of a referral of the at least one lender.

4. The method of claim 1, wherein the at least one referrer includes a referrer of at least one borrower of the plurality of borrowers.

5. The method of claim 4, further comprising receiving at least one indication of a referral of the at least one borrower of the plurality of borrowers.

6. The method of claim 5, wherein the indication of the referral includes at least one loan application.

7. The method of claim 1, wherein the first information includes an offered interest rate by the at least one lender.

8. The method of claim 11, wherein the first information includes at least one of an amount of money to be loaned, a loan term, and a loan restrictions.

9. The method of claim 1, wherein each respective second information includes a desired interest rate of at least one respective borrower of the plurality of borrowers.

10. The method of claim 9, wherein the second information includes at least one of an amount of money to be borrowed, a desired loan term, and credit information.

11. The method of claim 1, wherein the payments includes at least one of a payment of interest, a payment of principal, and a payment of a fee.

12. The method of claim 1, wherein the portion includes a percentage of the payments and the percentage is based, at least in part, on whether a referee of the referrer is one of the at least one lender or one of the plurality of borrowers.

13. A method comprising:

receiving first information regarding at least one lender;

receiving second information regarding at least one borrower; and

determining at least a portion of a payment associated with at least one loan from the at least one lender to the at least one borrower to allocate to at least one referrer.

14. The method of claim 13, wherein the referrer includes a referrer of the at least one lender.

15. The method of claim 14, further comprising receiving at least one indication of a referral of the at least one lender.

16. The method of claim 13, wherein the referrer includes a referrer of the at least one borrower.

17. The method of claim 16, further comprising receiving at least one indication of a referral of the at least one borrower.

18. The method of claim 16, wherein the indication of the referral includes at least one loan application.

19. The method of claim 13, wherein the first information includes an offered interest rate by the at least one lender.

20. The method of claim 19, wherein the first information includes at least one of an amount of money to be loaned, a loan term, and a loan restrictions.

21. The method of claim 13, wherein the second information includes a desired interest rate of the at least one borrower.

22. The method of claim 21, wherein the second information includes at least one of an amount of money to be borrowed, a desired loan term, and credit information.

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

24. The method of claim 23, wherein the portion includes a percentage of the payments and the percentage is based, at least in part, on whether a referee of the referrer is one of the at least one lender or one of the at least one borrower.

25. A method comprising:

receiving an indication of a payment, the payment including a merchant portion and a fee portion;

determining at least a portion of the fee portion to allocate to at least one of a payer, a referrer, and a content provider associated with the payment.

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

receiving an indication of a purchase of the at least one of the product and the service, wherein the payment includes a payment for the at least one of the product and the service, 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, wherein 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 the merchant portion and the fee portion.