DETERMINING TRUSTWORTHINESS AND FAMILIARITY OF USERS OF AN ELECTRONIC BILLING AND PAYMENT SYSTEM
First Claim
1. A computer-implemented method for determining trustworthiness and familiarity of entities for a billing and payment system, the method comprising:
- categorizing entities into the following four categories based on their trustworthiness and familiarity to the billing and payment system;
(1) a first zone for well-known and trusted entities, (2) a second zone for entities that are familiar but not well-known or not as trusted, (3) a third zone for entities that are new to the billing and payment system, and (4) a fourth zone for other entities;
re-categorizing entities based at least on their payment transactions made through the billing and payment system during the time they are with the billing and payment system; and
treating the entities of different categories differently according to their categories.
1 Assignment
0 Petitions
Accused Products
Abstract
Enhanced systems and methods for processing invoices, payments, and money transfers are described. One aspect of the invention is a computer-implemented method (and corresponding system and computer program product) for determining trustworthiness and familiarity of entities for a billing and payment system, the method comprising: categorizing entities into the following four categories based on their trustworthiness and familiarity to the billing and payment system: (1) a first zone for well-known and trusted entities, (2) a second zone for entities that are familiar but not well-known or not as trusted, (3) a third zone for entities that are new to the billing and payment system, and (4) a fourth zone for other entities; re-categorizing entities based at least on their payment transactions made through the billing and payment system during the time they are with the billing and payment system; and treating the entities of different categories differently according to their categories.
123 Citations
20 Claims
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1. A computer-implemented method for determining trustworthiness and familiarity of entities for a billing and payment system, the method comprising:
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categorizing entities into the following four categories based on their trustworthiness and familiarity to the billing and payment system;
(1) a first zone for well-known and trusted entities, (2) a second zone for entities that are familiar but not well-known or not as trusted, (3) a third zone for entities that are new to the billing and payment system, and (4) a fourth zone for other entities;re-categorizing entities based at least on their payment transactions made through the billing and payment system during the time they are with the billing and payment system; and treating the entities of different categories differently according to their categories. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A non-transitory computer-readable storage medium encoded with executable computer program code for determining trustworthiness and familiarity of entities for a billing and payment system, the computer program code comprising program code for:
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categorizing entities into the following four categories based on their trustworthiness and familiarity to the billing and payment system;
(1) a first zone for well-known and trusted entities, (2) a second zone for entities that are familiar but not well-known or not as trusted, (3) a third zone for entities that are new to the billing and payment system, and (4) a fourth zone for other entities;re-categorizing entities based at least on their payment transactions made through the billing and payment system during the time they are with the billing and payment system; and treating the entities of different categories differently according to their categories. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computer system for determining trustworthiness and familiarity of entities for a billing and payment system, comprising:
a non-transitory computer-readable storage medium encoded with executable computer program code for; categorizing entities into the following four categories based on their trustworthiness and familiarity to the billing and payment system;
(1) a first zone for well-known and trusted entities, (2) a second zone for entities that are familiar but not well-known or not as trusted, (3) a third zone for entities that are new to the billing and payment system, and (4) a fourth zone for other entities;re-categorizing entities based at least on their payment transactions made through the billing and payment system during the time they are with the billing and payment system; and treating the entities of different categories differently according to their categories. - View Dependent Claims (18, 19, 20)
Specification