Methods and systems for an alternative payment platform

• US 7,788,139 B2
• Filed: 10/25/2007
• Issued: 08/31/2010
• Est. Priority Date: 07/28/2006
• Status: Expired due to Fees

• Current Assignee: TrialPay Incorporated (Visa, Inc.)
• Original Assignee: Trailpay Incorporated
• Inventors: Angelos, Terry, Rampell, Alastair, Campbell, Alex
• Primary Examiner(s): Airapetian; Mila
• Application Number:
  US11/924,429
• Publication Number:
  US 20080162370A1
• Time in Patent Office: 1,041 Days
• Field of Search: 705/26, 705/27, 705/14
• US Class Current: 705/26.1
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0611 Request for offers or quotes
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• CPC Class Codes: G06Q 30/08 Auctions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 50/188 Electronic negotiation

Abstract

Methods and systems are provided for providing an alternative payment platform, including method and systems for providing a platform for presenting an alternate offer to a user who is engaged with a primary offer and receiving an indication of the user'"'"'s engagement with the alternate offer, wherein the user'"'"'s engagement with the alternate offer serves as an alternative form of payment for an item associated with the primary offer. Such methods and systems may further include methods and systems for selecting one or more alternate offers engagement with which serves as an alternative form of payment for an item associated with a primary offer, presenting the selected alternate payment offers to a user, receiving an indication of engagement with at least one of the alternate offers, receiving payment in exchange for presenting the accepted offer and providing payment to the offeror of the primary offer.

Claims

1. A method of performing an electronic commerce transaction comprising:

using a computer, presenting a primary offer of a vendor;

presenting an alternate offer of an advertiser, wherein fulfillment of the alternate offer entitles a user to receive an item of the primary offer at new terms that are different from terms the primary offer;

establishing a credit for the primary offer to be paid to the vendor upon the user'"'"'s fulfillment of the alternate offer, the credit including a variable portion;

receiving an indication of the user'"'"'s fulfillment of the alternate offer; and

paying the credit to the vendor.

2. The method of claim 1, in which the new terms include a new price different, wherein the new price is less than a price of the primary offer.

3. The method of claim 1, in which the variable portion is determined based on an advertising cost.

4. The method of claim 1, in which the variable portion is determined based on an expected profit.

5. The method of claim 1, in which the variable portion is determined based on prior transactions.

6. The method of claim 1, in which the variable portion is determined based on a characteristic of the user.

7. The method of claim 6, in which the characteristic of the customer includes a location of the customer.

8. The method of claim 6, in which the characteristic of the customer includes a credit worthiness of the customer.

9. The method of claim 1, in which the variable portion is determined when the alternate offer is fulfilled.

10. The method of claim 9, in which the alternate offer is fulfilled when the alternate offer is accepted.

11. The method of claim 9, in which the alternate offer is fulfilled when the alternate offer is viewed.

12. The method of claim 9, in which the alternate offer is fulfilled when a pre-determined action is taken with respect to the alternate offer.

13. The method of claim 1, in which the credit further includes a fixed portion.

14. The method of claim 13, in which the fixed portion is related to a retail cost of the item of the primary offer.

15. The method of claim 1, further comprising identifying the advertiser from a plurality of advertisers based on a matching criterion.

16. The method of claim 1, further comprising identifying the advertiser from a plurality of advertisers based using an auction process.

17. The method of claim 1 in which the primary offer includes an offer for virtual currency.

18. The method of claim 17, in which the virtual currency is usable in a gaming environment.

19. The method of claim 1, in which the primary offer includes an offer to access premium content.

20. A non-transitory computer readable medium bearing instructions that, when executed, cause one or more computers to:

present a primary offer of a vendor;

present an alternate offer of an advertiser, wherein fulfillment of the alternate offer entitles a user to receive an item of the primary offer at new terms that are different from terms the primary offer;

establish a credit for the primary offer to be paid to the vendor, the credit including a variable portion determined when the alternate offer is fulfilled;

receive an indication of the user'"'"'s fulfillment the alternate offers; and

pay the credit from the facilitator to the vendor.