VENDOR-FACILITATED GUARANTY PROVISIONING

• US 20150120473A1
• Filed: 11/07/2013
• Published: 04/30/2015
• Est. Priority Date: 10/29/2013
• Status: Active Application

• Current Assignee: Elwha LLC (Intellectual Ventures LLC)
• Original Assignee: Elwha LLC (Intellectual Ventures LLC)
• Inventors: Jung, Edward K.Y., Lord, Richard T., Lord, Robert W.
• Application Number:
  US14/074,490
• Publication Number:
  US 20150120473A1
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Disclosed herein are example embodiments for vendor-facilitated guaranty provisioning. For certain example embodiments, at least one device, such as a payment authorization apparatus: (i) may obtain one or more transaction characteristics of at least one product transaction that relates to at least one customer; or (ii) may generate one or more messages to pursue purchase permission with respect to at least one customer and with at least one guaranty corresponding to at least one product transaction. However, claimed subject matter is not limited to any particular described embodiments, implementations, examples, or so forth.

Claims

1. A method comprising:

obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer; and

generating one or more messages to pursue purchase permission with respect to the at least one customer and with at least one guaranty corresponding to the at least one product transaction,

wherein at least one of the obtaining one or more transaction characteristics or the generating one or more messages is at least partially implemented using one or more processors.

2. The method of claim 1, wherein the obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer comprises:

obtaining the one or more transaction characteristics with at least one payment authorization apparatus.

3. The method of claim 2, wherein the obtaining the one or more transaction characteristics with at least one payment authorization apparatus comprises:

obtaining with at least one point of sale (POS) payment authorization device.

4. The method of claim 3, wherein the obtaining with at least one point of sale (POS) payment authorization device comprises:

obtaining with at least one credit card scanning machine.

5. The method of claim 3, wherein the obtaining with at least one point of sale (POS) payment authorization device comprises:

obtaining with at least one store register.

6. The method of claim 3, wherein the obtaining with at least one point of sale (POS) payment authorization device comprises:

obtaining with at least one portable intelligent device.

10. The method of claim 2, wherein the obtaining the one or more transaction characteristics with at least one payment authorization apparatus comprises:

obtaining with at least one payment authorization server device.

11. The method of claim 1, wherein the obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer comprises:

obtaining the one or more transaction characteristics using at least one payment tool.

12. The method of claim 11, wherein the obtaining the one or more transaction characteristics using at least one payment tool comprises:

obtaining the one or more transaction characteristics using at least one payment card.

14. The method of claim 11, wherein the obtaining the one or more transaction characteristics using at least one payment tool comprises:

obtaining the one or more transaction characteristics using at least one mobile device.

19. The method of claim 1, wherein the obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer comprises:

obtaining at least one party identifier of the at least one product transaction.

20. The method of claim 19, wherein the obtaining at least one party identifier of the at least one product transaction comprises:

obtaining at least one customer identifier.

22. The method of claim 19, wherein the obtaining at least one party identifier of the at least one product transaction comprises:

obtaining at least one vendor identifier.

24. The method of claim 1, wherein the obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer comprises:

obtaining at least one product identification of the at least one product transaction.

25. The method of claim 24, wherein the obtaining at least one product identification of the at least one product transaction comprises:

obtaining at least one product description.

27. The method of claim 24, wherein the obtaining at least one product identification of the at least one product transaction comprises:

obtaining at least one stock keeping unit (SKU).

29. The method of claim 24, wherein the obtaining at least one product identification of the at least one product transaction comprises:

obtaining the at least one product identification from at least one electronic order.

30. The method of claim 1, wherein the obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer comprises:

obtaining at least one valuation of the at least one product transaction.

33. The method of claim 1, wherein the obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer comprises:

obtaining at least one transaction type of the at least one product transaction.

38. The method of claim 1, wherein the obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer comprises:

obtaining at least one transaction location of the at least one product transaction.

39. The method of claim 38, wherein the obtaining at least one transaction location of the at least one product transaction comprises:

obtaining at least one customer location.

42. The method of claim 38, wherein the obtaining at least one transaction location of the at least one product transaction comprises:

obtaining at least one vendor location.

44. The method of claim 38, wherein the obtaining at least one transaction location of the at least one product transaction comprises:

obtaining at least one product location.

46. The method of claim 1, wherein the generating one or more messages to pursue purchase permission with respect to the at least one customer and with at least one guaranty corresponding to the at least one product transaction comprises:

generating the one or more messages using the one or more transaction characteristics.

48. The method of claim 1, wherein the generating one or more messages to pursue purchase permission with respect to the at least one customer and with at least one guaranty corresponding to the at least one product transaction comprises:

transmitting the one or more messages to pursue purchase permission.

50. The method of claim 1, wherein the generating one or more messages to pursue purchase permission with respect to the at least one customer and with at least one guaranty corresponding to the at least one product transaction comprises:

generating the one or more messages to attempt to acquire approval to consummate the at least one product transaction.

52. The method of claim 1, wherein the generating one or more messages to pursue purchase permission with respect to the at least one customer and with at least one guaranty corresponding to the at least one product transaction comprises:

generating one or more messages to pursue purchase permission that is appurtenant to at least one guaranty.

53. The method of claim 1, wherein the generating one or more messages to pursue purchase permission with respect to the at least one customer and with at least one guaranty corresponding to the at least one product transaction comprises:

generating one or more messages to pursue at least one guaranty corresponding to the at least one product transaction.

56. The method of claim 1, further comprising:

receiving at least one indication with respect to purchase permission.

57. The method of claim 56, wherein the receiving at least one indication with respect to purchase permission comprises:

receiving at least one affirmative indication with respect to purchase permission.

58. The method of claim 56, wherein the receiving at least one indication with respect to purchase permission comprises:

receiving at least one authorization answer.

61. The method of claim 1, further comprising:

receiving at least one indication with respect to at least one guaranty.

63. The method of claim 61, wherein the receiving at least one indication with respect to at least one guaranty comprises:

receiving the at least one indication from at least one guarantor.

66. The method of claim 1, wherein the obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer comprises:

obtaining at least one guaranty indicator.

68. The method of claim 66, wherein the obtaining at least one guaranty indicator comprises:

obtaining the at least one guaranty indicator from at least one data structure of at least one vendor.

70. The method of claim 66, wherein the obtaining at least one guaranty indicator comprises:

obtaining at least one indicator that submission to a guaranty transaction marketplace is requested.

71. The method of claim 66, wherein the obtaining at least one guaranty indicator comprises:

obtaining at least one indicator of a potential guarantor for the at least one product transaction.

73. The method of claim 66, wherein the obtaining at least one guaranty indicator comprises:

obtaining at least one indicator that a discount is to be provided to the at least one customer if the at least one guaranty is secured.

77. The method of claim 1, further comprising:

proffering at least one guaranty corresponding to the at least one product transaction.

78. The method of claim 77, wherein the proffering at least one guaranty corresponding to the at least one product transaction comprises:

providing at least one bid in response to at least one proffered guaranty transaction.

79. The method of claim 77, wherein the proffering at least one guaranty corresponding to the at least one product transaction comprises:

proffering the at least one guaranty to at least one financier.

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83. A device comprising:

circuitry for obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer; and

circuitry for generating one or more messages to pursue purchase permission with respect to the at least one customer and with at least one guaranty corresponding to the at least one product transaction.

84-164. -164. (canceled)

165. An arrangement comprising:

means for obtaining one or more transaction characteristics of at least one product transaction that relates to at least one customer; and

means for generating one or more messages to pursue purchase permission with respect to the at least one customer and with at least one guaranty corresponding to the at least one product transaction.

166-246. -246. (canceled)