Using payment mode rankings responsive to item attributes

• US 8,190,526 B2
• Filed: 08/06/2008
• Issued: 05/29/2012
• 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: Lord, Robert W., Malamud, Mark A., Rinaldo, Jr., John D., Wood, JR., Lowell L., Jung, Edward K. Y., Levien, Royce A.
• Primary Examiner(s): CAMPEN, KELLY SCAGGS
• Application Number:
  US12/221,933
• Publication Number:
  US 20080319863A1
• Time in Patent Office: 1,392 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

A method and system are described for using payment mode rankings responsive to item attributes. For example, in at least some embodiments, a method includes obtaining, with a processing device, 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; associating a common control with a payment indication of the first item to a first payee by the first payment mode and with a payment indication of a second item to a second payee by a second payment mode; transmitting, with a transmitter, a common image that includes the common control and that indicates the first item, the second item, the first payment mode, and the second payment mode; displaying the common image; and detecting a user actuation of the common control.

Claims

1. A method performed with a computing system, the method comprising:

obtaining, by a processing device, 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;

transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking;

wherein the transmitter and the processing device are each non-transitory and at least partly implemented in hardware;

wherein;

the obtaining, by a processing device, 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

the transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprise;

obtaining, by the processing device, 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;

associating a common control with a payment indication of the first item to a first payee by the first payment mode and with a payment indication of a second item to a second payee by a second payment mode;

transmitting, with a transmitter, a common image that includes the common control and that indicates the first item, the second item, the first payment mode, and the second payment mode;

displaying the common image; and

detecting a user actuation of the common control.

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

indicating the first item and a second item via a common image.

3. The method of claim 1, wherein the processing device includes a processor and in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

with a display, displaying an indication of the first payment mode and a second payment mode via a common image; and

with the transmitter, transmitting the common image.

4. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

indicating the first mode ranking in an image containing the indication of the first payment mode.

5. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

using the transmitter to transmit the indication of the first payment mode to a display.

6. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

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

receiving a heterogeneous payment authorization via the user interface.

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

transmitting an authorization to use the first payment mode.

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

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

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

receiving via a wireless linkage a common image containing at least the indication.

10. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

associating, by the processing device, a common control with a payment indication of the first item to a first payee by the first payment mode and with a payment indication of a second item to a second payee by a second payment mode;

transmitting, by a transmitter, a common image that includes an indication of the common control, a payment indication of the first item by the first payment mode and a payment indication of the second item by the second payment mode;

displaying, by a display, the common image; and

detecting an actuation of the common control to authorize both a first payment for the first item to the first payee by the first payment mode and a second payment for the second item to a second payee by the second payment mode.

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

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

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

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

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

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

14. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

transmitting 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.

15. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

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

16. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

itemizing the first item by indicating at least a first quantity and a second quantity of the first item.

17. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

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

18. The method of claim 1, in which obtaining, by a processing device, 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:

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

modifying at least one of the first mode ranking or the second mode ranking, responsive to the actuation.

19. The method of claim 1, in which obtaining, by a processing device, 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:

receiving an update of at least one of the first payment mode or the first item.

20. The method of claim 1, in which obtaining, by a processing device, 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:

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

21. The method of claim 1, in which obtaining, by a processing device, 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:

obtaining at least the first mode ranking and the second mode ranking by applying an updated ranking model.

22. The method of claim 1, in which obtaining, by a processing device, 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:

generating the one or more categorical attributes of the first item from a description of the first item.

23. The method of claim 1, in which obtaining, by a processing device, 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:

receiving the one or more categorical attributes of the first item.

24. The method of claim 1, in which obtaining, by a processing device, 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:

including a product-dependent constraint in the one or more payment mode use constraints.

25. The method of claim 1, in which obtaining, by a processing device, 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:

including a provider-dependent constraint in the one or more payment mode use constraints.

26. The method of claim 1, in which obtaining, by a processing device, 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:

applying the one or more payment mode use constraints to a description of the first item.

27. The method of claim 1, in which obtaining, by a processing device, 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:

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

28. The method of claim 1, in which obtaining, by a processing device, 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:

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

29. The method of claim 1, in which obtaining, by a processing device, 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:

spawning a second item from the first item, responsive to an indication of a user input.

30. The method of claim 1, in which obtaining, by a processing device, 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:

receiving at least the first mode ranking and the second mode ranking from a network.

31. The method of claim 1, in which obtaining, by a processing device, 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:

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

32. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

with the processing device, associating a common control with a payment indication of the first item to a first payee by the first payment mode and with a payment indication of a second item to a second payee by a second payment mode;

with a display, displaying the common control in a grid cell, the grid cell indicating an association between the first payment mode and the first item;

with the display, indicating the first item, the second item, the first payment mode, the second payment mode, and the first mode ranking via a common image;

transmitting, with the transmitter, the common image;

transmitting, with the transmitter or a second transmitter, an authorization to use the first payment mode;

detecting an actuation of the common control; and

wherein the processing device, the transmitter and the display each comprise a portion of the computing system.

33. The method of claim 1, wherein the processing device includes a processor and in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

with the processor, indicating the first item, a second item, the first payment mode, a second payment mode, and the first mode ranking via a common image;

with a display, indicating one or more criteria for validating a payee of the first item;

using the transmitter 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;

using the transmitter to transmit an authorization to use the first payment mode;

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

using the transmitter to transmit an indication of one or more substantive attributes of the first payment mode, responsive to an indication of a user action;

displaying, with the display, an itemization of the first item indicating at least a first quantity and a second quantity of the first item;

displaying at least the indication of the first payment mode via a portable device; and

receiving a heterogeneous payment authorization via the portable device.

34. The method of claim 1, in which obtaining by a processing device comprises obtaining by at least one of a processor, a controller, a field-programmable gate array, a microprocessor, a digital signal processor or an application-specific integrated circuit (ASIC).

35. The method of claim 1, in which transmitting, by a transmitter, an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking comprises:

using a display of an interface to display an indication of a first payment mode and a second payment mode on a common image, the indication being displayed using a button of a first common control or a second common control to authorize 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 to 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 the second payment mode.