Flexible advertiser billing system with mixed postpayment and prepayment capabilities
First Claim
Patent Images
1. A computer-implemented method of managing risk, comprising:
- electronically serving, on a computer, a first stream of advertisements, wherein an advertiser is billed for the first stream of advertisements under a billing experience;
electronically determining, on a computer, that an account balance associated with the first stream of advertisements has reached a corresponding credit line;
electronically evaluating, on a computer, a credit risk associated with the advertiser based on the account balance reaching the credit line and at least one of;
a past billing history, a method of payment associated with the advertiser, or a demand by the advertiser for advertisements;
electronically modifying, on a computer, the billing experience based on the evaluated credit risk, comprising;
electronically transitioning, on a computer, to at least one of a prepay billing experience, a partial prepay partial post-pay billing experience, a post-pay billing experience, or an end-of-term billing experience;
electronically modifying, on a computer, the first stream of advertisements based on the evaluated credit risk to result in a content of a second stream of advertisements; and
electronically serving, on a computer, the second stream of advertisements instead of the first stream of advertisements, wherein the advertiser is billed for the second stream of advertisements under the modified billing experience.
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Abstract
The present invention relates to systems and methods for managing risk in business transactions. In an embodiment, a computer-implemented method of managing risk exposure of a provide includes providing a product from the provider to a client under an initial billing experience between the provider and the client, evaluating a credit risk associated with the client at least one of periodically or upon occurrence of an event, and modifying a credit line the provider is willing to offer the client.
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Citations
53 Claims
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1. A computer-implemented method of managing risk, comprising:
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electronically serving, on a computer, a first stream of advertisements, wherein an advertiser is billed for the first stream of advertisements under a billing experience; electronically determining, on a computer, that an account balance associated with the first stream of advertisements has reached a corresponding credit line; electronically evaluating, on a computer, a credit risk associated with the advertiser based on the account balance reaching the credit line and at least one of;
a past billing history, a method of payment associated with the advertiser, or a demand by the advertiser for advertisements;electronically modifying, on a computer, the billing experience based on the evaluated credit risk, comprising; electronically transitioning, on a computer, to at least one of a prepay billing experience, a partial prepay partial post-pay billing experience, a post-pay billing experience, or an end-of-term billing experience; electronically modifying, on a computer, the first stream of advertisements based on the evaluated credit risk to result in a content of a second stream of advertisements; and electronically serving, on a computer, the second stream of advertisements instead of the first stream of advertisements, wherein the advertiser is billed for the second stream of advertisements under the modified billing experience. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 48, 49)
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30. A system for managing risk exposure, comprising:
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a product supplier, implemented on a computer readable medium, configured to serve a first stream of advertisements, wherein an advertiser is billed for the first stream of advertisements under a billing experience; a risk evaluator, implemented on a computer readable medium, configured to evaluate a risk associated with the advertiser, wherein the risk evaluator is configured such that when an account balance associated with the advertiser reaches a corresponding credit line, the risk evaluator evaluates the risk based on the account balance reaching the corresponding credit line and at least one of;
a past billing history, a method of payment associated with the advertiser, or a demand by the advertiser for the advertisements; anda biller, implemented on a computer readable medium, configured to modify the billing experience based on the evaluated risk; wherein the product supplier is configured to modify the first stream of advertisements based on the evaluated risk to result in a content of a second stream of advertisements and to serve the second stream of advertisements instead of the first stream of advertisements to the advertiser under the modified billing experience. - View Dependent Claims (31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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50. A computer-implemented method of managing risk, comprising:
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electronically serving, on a computer, a first stream of advertisements, wherein an advertiser is billed for the first stream of advertisements under a billing experience; electronically transitioning, on a computer, to a partial prepay partial post-pay billing experience; electronically determining, on a computer, that an account balance associated with the first stream of advertisements has reached a corresponding credit line; electronically evaluating, on a computer, a risk associated with the advertiser based on the account balance reaching the credit line; electronically modifying, on a computer, the first stream of advertisements based on the evaluated credit risk to result in a content of a second stream of advertisements; and electronically serving, on a computer, the second stream of advertisements instead of the first stream of advertisements, wherein the advertiser is billed for the second stream of advertisements under the partial prepay partial post-pay billing experience.
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51. A computer-implemented method of managing risk for a provider, comprising:
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electronically providing a first stream of products to a purchaser; electronically determining, on a computer, that an account balance associated with the first stream of products has reached a corresponding credit line; electronically, on a computer, evaluating a credit risk associated with the purchaser based at least on the account balance reaching the credit line; electronically modifying, on a computer, the first stream of products based on the evaluated credit risk to result in a content of a second stream of products; and electronically providing, on a computer, the second stream of products to the purchaser instead of the first stream of products according to the evaluated credit risk, wherein the account balance exceeds the credit line as the second stream of products is provided. - View Dependent Claims (52, 53)
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Specification