Using payment indicators in a common image

• US 7,953,664 B2
• Filed: 02/28/2006
• Issued: 05/31/2011
• Est. Priority Date: 02/28/2006
• Status: Active Grant

• Current Assignee: The Invention Science Fund I, L.L.C. (Intellectual Ventures LLC)
• Original Assignee: The Invention Science Fund I, L.L.C. (Intellectual Ventures LLC)
• Inventors: Jung, Edward K. Y., Levien, Royce A., Lord, Robert W., Malamud, Mark A., Rinaldo, Jr., John D., Wood, JR., Lowell L.
• Primary Examiner(s): CAMPEN, KELLY SCAGGS
• Application Number:
  US11/364,501
• Publication Number:
  US 20070203830A1
• Time in Patent Office: 1,918 Days
• Field of Search: 705 38- 40, 705/26, 705/35, 705/36.R, 705/1, 705/37, 705/374, 235/379, 235/380, 379/114.01
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• 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 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Methods and systems for transmitting a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source and receiving a user input relating to one or more of the payment indications.

Claims

1. A method comprising:

using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source; and

using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source, wherein the user input comprises an activation of a first common control or a second common control to authorize a payment from a source identified by the received user input to a charge identified by the received user input, wherein the first common control relates at least the payment indication of the first-type charge and the second-type charge to a first payee by the first source, and wherein the second common control relates at least the payment indication of the first-type charge and the second-type charge to a second payee by the second source.

2. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

relating a common control to at least the payment indication of the first-type charge to a first payee by the first source and the payment indication of the second-type charge to a second payee by the second source; and

detecting a user actuation of the common control as the user input.

3. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

receiving a heterogeneous payment authorization as the user input.

4. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

receiving an update of at least one of the first source or a first payee.

5. The method of claim 1, in which using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source comprises:

including at least a first item and a second item in the first-type charge.

6. The method of claim 1, in which using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source comprises:

indicating a privacy attribute of the first source; and

including in a second row and in a second column of the common image a symbol of the payment indication of the second-type charge by the second source.

7. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

generating a report responsive to the user input.

8. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

receiving as the user input an authorization to pay at least the first-type charge and the second-type charge.

9. The method of claim 1, in which using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source comprises:

indicating an owner of the first source in the common image.

10. The method of claim 1, in which using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source comprises:

indicating a quantitative attribute of the first source.

11. The method of claim 1, in which using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source comprises:

indicating a privacy attribute of the first source.

12. The method of claim 1, in which using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source comprises:

including in the common image a type identification of the first-type charge and a type identification of the second-type charge.

13. The method of claim 1, in which using a transmitter to transmit a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

modifying one or more attributes of the first source, responsive to the user input.

14. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

superseding a type selection, responsive to the user input.

15. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

modifying a ranking of the first source relative to the second source, responsive to the user input.

16. The method of claim 1, in which using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source comprises:

transmitting at least a portion of a graphic image as the common image.

17. The method of claim 1, in which using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source comprises:

indicating one or more criteria for validating a payee of the first-type charge.

18. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

receiving a provider system handle as the user input.

19. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

receiving an update of at least one of the first source or the first-type charge.

20. The method of claim 1, in which using a user interface to receive a user input relating to one or more of the payment indication of the first-type charge by the first source or the payment indication of the second-type charge by the second source comprises:

receiving one or more of an authorization to use a default payment mode, a heterogeneous payment authorization, an authorization to pay at least the first-type charge and the second-type charge, or a provider system handle as the user input;

modifying one or more attributes of the first source, responsive to the user input;

generating a report responsive to the user input;

receiving an update of at least one of the first source, a first payee, or the first-type charge;

modifying a ranking of the first source relative to the second source, responsive to the user input; and

superseding a type selection, responsive to the user input.

21. The method of claim 20, in which using a transmitter to transmit a common image including at least a payment indication of a first-type charge by a first source and a payment indication of a second-type charge by a second source comprises:

including at least a first item and a second item in the first-type charge;

indicating a privacy attribute of the first source;

indicating one or more criteria for validating a payee of the first-type charge in the common image;

indicating a quantitative attribute, a privacy attribute, and an owner of the first source in the common image;

including in the common image a type identification of the first-type charge and a type identification of the second-type charge;

including in a second row and in a second column of the common image a symbol of the payment indication of the second-type charge by the second source; and

transmitting at least a portion of a graphic image as the common image.

22. A method comprising:

displaying in a hand-held device a common image including at least a payment indication of a first charge and a payment indication of a second charge; and

using a user interface to receive a user input relating to one or more of the payment indication of the first charge or the payment indication of the second charge, wherein the user input comprises an activation of a first common control or a second common control to authorize a payment from a source identified by the received user input to a charge identified by the received user input, wherein the first common control relates at least the payment indication of the first charge and the second charge to a first payee by a first source, and wherein the second common control relates at least the payment indication of the first charge and the second charge to a second payee by a second source.

23. The method of claim 22, in which displaying in a hand-held device a common image including at least a payment indication of a first charge and a payment indication of a second charge comprises:

including one or more selection-dependent display-only labels in the common image.

24. The method of claim 22, in which displaying in a hand-held device a common image including at least a payment indication of a first charge and a payment indication of a second charge comprises:

transmitting at least a portion of the common image across a wireless linkage.

25. The method of claim 22, in which using a user interface to receive a user input relating to one or more of the payment indication of the first charge or the payment indication of the second charge comprises:

associating a common control at least with the payment indication of the first charge and with the payment indication of the second charge; and

detecting a user actuation of the common control as the user input.