Computational systems and methods for regulating information flow during interactions

• US 20130060620A1
• Filed: 12/29/2011
• Published: 03/07/2013
• Est. Priority Date: 09/07/2011
• Status: Active Grant

• Current Assignee: Elwha LLC (Intellectual Ventures LLC)
• Original Assignee: Lowell L. Wood Jr
• Inventors: Davis, Marc E., Dyor, Matthew G., Gates, William, Huang, Xuedong, Hyde, Roderick A., Jung, Edward K. Y., Kare, Jordin T., Levien, Royce A., Lord, Richard T., Lord, Robert W., Lu, Qi, Malamud, Mark A., Myhrvold, Nathan P., Nadella, Satya, Reed, Daniel, Shum, Harry, Tegreene, Clarence T., Wood, Lowell L. Jr.
• Granted Patent: US 10,198,729 B2
• Time in Patent Office: Days
• US Class Current: 705/14.23
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 63/0876 based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint

Abstract

Methods, apparatuses, computer program products, devices and systems are described that carry out accepting at least one request for personal information from a party to a transaction; evaluating the transaction; and negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction.

Claims

1. A system comprising:

circuitry for accepting at least one request for personal information from a party to a transaction;

circuitry for evaluating the transaction; and

circuitry for negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction.

2. The system of claim 1 wherein the circuitry for accepting at least one request for personal information from a party to a transaction comprises:

circuitry for accepting a plurality of fields on a web page as the at least one request for personal information.

3. The system of claim 1 wherein the circuitry for accepting at least one request for personal information from a party to a transaction comprises:

circuitry for accepting at least one request for personal information from a vendor in an online transaction.

4. The system of claim 1 wherein the circuitry for accepting at least one request for personal information from a party to a transaction comprises:

circuitry for accepting a request for personal information consisting of name, email address, birthdate, and credit card information from a vendor in an online transaction.

5. The system of claim 1 wherein the circuitry for evaluating the transaction comprises:

circuitry for evaluating a monetary value for the transaction.

6. The system of claim 1 wherein the circuitry for evaluating the transaction comprises:

circuitry for evaluating the party to the transaction.

7. The system of claim 6 wherein the circuitry for evaluating the party to the transaction comprises:

circuitry for evaluating transaction history about the party to the transaction.

8. The system of claim 1 wherein the circuitry for negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

circuitry for negotiating presentation of at least one persona including an indication of creditworthiness to the party to the transaction at least partly based on an evaluation of the transaction.

9. The system of claim 1 wherein the circuitry for negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

circuitry for negotiating presentation of at least one persona including less personal information than initially requested to the party to the transaction at least partly based on an evaluation of the transaction that includes a transaction value under one hundred dollars.

10. The system of claim 1 wherein the circuitry for negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

circuitry for negotiating presentation of at least one persona including more personal information than initially requested to the party to the transaction at least partly based on an evaluation of the transaction, wherein the cost of the transaction is discounted in exchange for the more personal information than initially requested.

11. The system of claim 1 wherein the circuitry for negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

circuitry for negotiating presentation of at least one persona including reduced personal information than initially requested to the party to the transaction at least partly based on an evaluation of the transaction, wherein the cost of the transaction is increased in exchange for the reduced personal information.

12. The system of claim 1 wherein the circuitry for negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

circuitry for negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction, wherein the negotiating is concluded on the basis of at least one future condition.

13. The system of claim 12, wherein the at least one future condition includes a promise to pay the cost of the transaction to the party to the transaction within a defined time period after an object of the transaction is delivered by the party to the transaction.

14. A computer program product comprising:

at least one of a machine, a composition of matter, or an article of manufacture including a signal-bearing medium bearing

(1) one or more instructions for accepting at least one request for personal information from a party to a transaction;

(2) one or more instructions for evaluating the transaction; and

(3) one or more instructions for negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction.

15. The computer program product of claim 14, wherein the signal-bearing medium includes a computer-readable medium.

16. The computer program product of claim 14, wherein the signal-bearing medium includes a recordable medium.

17. The computer program product of claim 14, wherein the signal-bearing medium includes a communications medium.

18. A system comprising:

a computing device; and

instructions that when executed on the computing device cause the computing device to

(1) accept at least one request for personal information from a party to a transaction;

(2) evaluate the transaction; and

(3) negotiate presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction.

19. The system of claim 18 wherein the computing device comprises:

one or more of a personal digital assistant (PDA), a personal entertainment device, a mobile phone, a laptop computer, a tablet personal computer, a networked computer, a computing system comprised of a cluster of processors, a computing system comprised of a cluster of servers, a workstation computer, and/or a desktop computer.

20. A computer-implemented method comprising:

accepting at least one request for personal information from a party to a transaction;

evaluating the transaction; and

negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction.

21. The computer-implemented method of claim 20 wherein the accepting at least one request for personal information from a party to a transaction comprises:

accepting a plurality of fields on a web page as the at least one request for personal information.

22. The computer-implemented method of claim 20 wherein the accepting at least one request for personal information from a party to a transaction comprises:

accepting at least one request for personal information from a vendor in an online transaction.

23. The computer-implemented method of claim 20 wherein the accepting at least one request for personal information from a party to a transaction comprises:

accepting a request for personal information consisting of name, email address, birthdate, and credit card information from a vendor in an online transaction.

24. The computer-implemented method of claim 20 wherein the evaluating the transaction comprises:

evaluating a monetary value for the transaction.

25. The computer-implemented method of claim 20 wherein the evaluating the transaction comprises:

evaluating the party to the transaction.

26. The computer-implemented method of claim 25 wherein the evaluating the party to the transaction comprises:

evaluating transaction history about the party to the transaction.

27. The computer-implemented method of claim 20 wherein the negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

negotiating presentation of at least one persona including an indication of creditworthiness to the party to the transaction at least partly based on an evaluation of the transaction.

28. The computer-implemented method of claim 20 wherein the negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

negotiating presentation of at least one persona including less personal information than initially requested to the party to the transaction at least partly based on an evaluation of the transaction that includes a transaction value under one hundred dollars.

29. The computer-implemented method of claim 20 wherein the negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

negotiating presentation of at least one persona including more personal information than initially requested to the party to the transaction at least partly based on an evaluation of the transaction, wherein the cost of the transaction is discounted in exchange for the more personal information than initially requested.

30. The computer-implemented method of claim 20 wherein the negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

negotiating presentation of at least one persona including reduced personal information than initially requested to the party to the transaction at least partly based on an evaluation of the transaction, wherein the cost of the transaction is increased in exchange for the reduced personal information.

31. The computer-implemented method of claim 20 wherein the negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction comprises:

negotiating presentation of at least one persona to the party to the transaction at least partly based on an evaluation of the transaction, wherein the negotiating is concluded on the basis of at least one future condition.

32. The computer-implemented method of claim 31, wherein the at least one future condition includes a promise to pay the cost of the transaction to the party to the transaction within a defined time period after an object of the transaction is delivered by the party to the transaction.