Using payment mode rankings responsive to item attributes

• US 7,958,051 B2
• Filed: 02/28/2006
• Issued: 06/07/2011
• 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:
  US11/364,502
• Publication Number:
  US 20070203831A1
• Time in Patent Office: 1,925 Days
• Field of Search: 705/38, 705/39, 705/2, 705/40, 705/26, 463/25, 707/3, 194/217, 235/379, 235/380
• 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 obtaining at least some mode rankings responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints, and transmitting at least an indication of a payment mode.

Claims

1. A system comprising:

a processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints; and

a transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking, wherein the transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises;

a display for displaying an indication of the first payment mode and a second payment mode via a common image, wherein the indication is displayed using a button of a first common control or a second common control to authorize a payment using a payment mode identified by a received user input to one of the first item and a second item identified by the received user input, wherein the first common control relates at least the indication of the first item and the second item to the first payment mode, and wherein the second common control relates at least the indication of the first item and the second item to a second payment mode.

2. The system of claim 1, in which the transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

a transmitter arranged to transmit the indication of the first payment mode responsive to at least the first mode ranking or the second mode ranking to a user interface; and

circuitry for receiving a heterogeneous payment authorization via the user interface.

3. The system of claim 2, in which the transmitter arranged to transmit the indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

circuitry for transmitting an indication of one or more substantive attributes of the first payment mode, responsive to an indication of a user action.

4. The system of claim 2, in which the transmitter arranged to transmit the indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

circuitry for dissociating the first item from the first payment mode, responsive to an indication of a user input.

5. The system of claim 2, in which the transmitter arranged to transmit the indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

circuitry for indicating one or more criteria for validating a payee of the first item.

6. The system of claim 2, in which the transmitter arranged to transmit the indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

circuitry for transmitting a message including at least a quantitative attribute of the first payment mode as the indication of the first payment mode.

7. The system of claim 1, in which the transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

a transmitter arranged to transmit an authorization to use the first payment mode responsive to at least the first mode ranking or the second mode ranking.

8. The system of claim 1, in which the transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

a receiver arranged to receive via a wireless linkage a common image containing at least the indication.

9. The system of claim 1, in which the transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

a processor arranged to dissociate the first item from the first payment mode, responsive to an indication of a user input.

10. The system of claim 1, in which the display for indicating the first payment mode and a second payment mode via a common image comprises:

a display for displaying a control in a grid cell, the grid cell indicating an association between the first payment mode and the first item.

11. The system of claim 1, in which the transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

a processor arranged to evaluate one or more criteria for validating a payee of the first item.

12. The system of claim 1, in which the transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

a transmitter arranged to transmit a message including at least the indication of the first payment mode and a representation of a value of a discount in the first item.

13. The system of claim 1, in which the transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

a transmitter arranged to transmit a message including at least a quantitative attribute of the first payment mode as the indication of the first payment mode.

14. The system of claim 1, in which the display for indicating the first payment mode and a second payment mode via a common image comprises:

a display arranged to display at least the indication of the first payment mode via a portable device.

15. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor for receiving an indication of a user actuation of a control; and

a processor arranged to modify at least one of the first mode ranking or the second mode ranking, responsive to the user actuation.

16. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor arranged to receive an update of at least one of the first payment mode or the first item.

17. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor arranged to obtain at least the first mode ranking and the second mode ranking by applying an updated ranking model.

18. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor arranged to receive the one or more categorical attributes of the first item.

19. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor arranged to include a product-dependent constraint in the one or more payment mode use constraints.

20. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor arranged to include a provider-dependent constraint in the one or more payment mode use constraints.

21. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor arranged to apply the one or more payment mode use constraints to a description of the first item.

22. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a transmitter arranged to transmit a first component and a second component of the first item, responsive to an indication of a user input.

23. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor arranged to spawn a second item from the first item, responsive to an indication of a user input.

24. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor arranged to receive at least the first mode ranking and the second mode ranking from a network.

25. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

a processor arranged to update at least one of the one or more payment mode use constraints, responsive to an indication of a user input.

26. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

circuitry for including in a common image a type identification of the first item and a type identification of a second item.

27. The system of claim 1, in which the processor for obtaining at least a first mode ranking and a second mode ranking responsive to one or more categorical attributes of a first item and to one or more payment mode use constraints comprises:

circuitry for receiving an indication of a user actuation of a control;

circuitry for modifying at least one of the first mode ranking or the second mode ranking, responsive to the actuation;

circuitry for obtaining at least the first mode ranking and the second mode ranking by applying an updated ranking model;

circuitry for receiving an update of at least one of the first payment mode or the first item;

circuitry for receiving the one or more categorical attributes of the first item;

circuitry for including a product-dependent constraint in the one or more payment mode use constraints;

circuitry for including a provider-dependent constraint in the one or more payment mode use constraints;

circuitry for applying the one or more payment mode use constraints to a description of the first item;

circuitry for transmitting a first component and a second component of the first item, responsive to an indication of a user input;

circuitry for including in a common image a type identification of the first item and a type identification of the second item;

circuitry for spawning a second item from the first item, responsive to the indication of the user input;

circuitry for receiving at least the first mode ranking and the second mode ranking from a network; and

circuitry for updating at least one of the one or more payment mode use constraints, responsive to the indication of the user input.

28. The system of claim 27, in which the processor for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

circuitry for indicating the first item, the second item, the first payment mode, and a second payment mode via the common image;

circuitry for transmitting the indication of the first payment mode to a display;

circuitry for transmitting an authorization to use the first payment mode;

circuitry for receiving via a wireless linkage the common image containing at least the indication;

circuitry for dissociating the first item from the first payment mode, responsive to the indication of the user input;

circuitry for displaying a control in a grid cell, the grid cell indicating an association between the first payment mode and the first item;

circuitry for indicating one or more criteria for validating a payee of the first item;

circuitry for transmitting a first message including at least the indication of the first payment mode and a representation of a value of a discount in the first item;

circuitry for transmitting a second message including at least a quantitative attribute of the first payment mode as the indication of the first payment mode; and

circuitry for displaying at least the indication of the first payment mode via a portable device.

29. The system of claim 1, in which the transmitter arranged to transmit at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

a processor arranged to indicate the first item, the second item, the first payment mode, and a second payment mode via the common image;

a transmitter arranged to transmit an authorization to use the first payment mode;

a display arranged to display a control in a grid cell, the grid cell indicating an association between the first payment mode and the first item;

a processor arranged to evaluate one or more criteria for validating a payee of the first item;

a transmitter for transmitting a message including at least a quantitative attribute of the first payment mode as the indication of the first payment mode;

a transmitter for transmitting at least the indication of the first payment mode to a user interface; and

a receiver for receiving a heterogeneous payment authorization via the user interface.