Community Award and Incentive Methods and Systems

• US 20140122295A1
• Filed: 10/30/2013
• Published: 05/01/2014
• Est. Priority Date: 10/30/2012
• Status: Abandoned Application

• Current Assignee: David Govea, Jonathan Calmus, Karl Chodakiewitz
• Original Assignee: David Govea, Jonathan Calmus, Karl Chodakiewitz
• Inventors: Calmus, Jonathan, Chodakiewitz, Karl, Govea, David
• Application Number:
  US14/067,840
• Publication Number:
  US 20140122295A1
• Time in Patent Office: Days
• US Class Current: 705/26.35
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification

Abstract

Embodiments are directed to an apparatus or method that includes a processor communicatively coupled to a non-transitory computer readable storage medium configured to provide a borrower with a user interface that allows the user to indicate a desire to borrow a good within a community with limited text input from a lender, automatically remind a borrower to return the borrowed goods and generate for a lender a reputation score that rates the reputation between the borrower and the lender.

Claims

1. A method comprising:

providing a borrower with a user interface that allows the user to indicate a desire to borrow a good within a community by, selecting visual element, from a lender;

automatically reminding a borrower to return the borrowed goods; and

generating for a lender a reputation score that rates the reputation between the borrower and the lender.

2. The method of claim 1, wherein the reputation score is determined based on past transactions of the borrower with other lenders.

3. The method of claim 2, wherein the rating of the borrower that is provided by the other lenders is used to determine the reputation score.

4. The method of claim 1, wherein the reputation score is a numerical value.

5. The method of claim 1, wherein the reputation score takes into account the lenders past transactions with other borrowers.

6. The method of claim 5, wherein the reputation score is determined based on receiving a selection of the lender and the borrower in real-time or is updated based on the most recent transaction of the borrower and the lender.

7. An apparatus, comprising:

a processor communicatively coupled to a non-transitory computer readable storage medium configured to;

provide a borrower with a user interface that allows the user to indicate a desire to borrow a good within a community with limited text input from a lender;

wherein limited text input comprises selecting only visual elements that can be clicked on or selected by a users finger input;

automatically remind a borrower to return the borrowed goods based on a due date; and

generate for a lender a reputation score that rates the reputation between the borrower and the lender.

8. The apparatus of claim 7, wherein the reputation score is determined based on past transactions of the borrower with other lenders and the lender.

9. The method of claim 8, wherein the rating of the borrower that is provided by the other lenders is used to determine the reputation score;

and

wherein the reminder is generated at least a few hours before the due date.

10. The apparatus of claim 7, wherein the reputation score is a numerical value wherein a users finger input fails to include a on screen keyboard.

11. The apparatus of claim 7, wherein the reputation score takes into account the lenders past transactions with other borrowers.

12. The apparatus of claim 11, wherein the reputation score is determined based on receiving a selection of the lender and the borrower in real-time or is updated based on the most recent transaction of the borrower and the lender.

16. The method of claim 12, wherein the reputation score is a numerical value.

17. The method of claim 12, wherein the reputation score takes into account the lenders past transactions with other borrowers.

18. The method of claim 17, wherein the reputation score is determined based on receiving a selection of the lender and the borrower in real-time or is updated based on the most recent transaction of the borrower and the lender.

13. A computer readable medium containing program instructions, wherein execution of the program instructions by one or more processors of a computer system causes the one or more processors to carry out the steps of:

provide a borrower with a user interface that allows the user to indicate a desire to borrow a good within a community from a lender;

automatically remind a borrower by sending a message to the borrower to return the borrowed goods; and

generate for a lender a reputation score that rates the reputation between the borrower and the lender.

14. The method of claim 13, wherein the reputation score is determined based on past transactions of the borrower with other lenders.

15. The method of claim 14, wherein the rating of the borrower that is provided by the other lenders is used to determine the reputation score.