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DETERMINING TRUSTWORTHINESS AND FAMILIARITY OF USERS OF AN ELECTRONIC BILLING AND PAYMENT SYSTEM

  • US 20110196786A1
  • Filed: 04/14/2011
  • Published: 08/11/2011
  • Est. Priority Date: 01/31/2008
  • Status: Abandoned Application
First Claim
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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:

  • 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.

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