Using payment mode rankings responsive to item attributes

• US 8,200,579 B2
• Filed: 08/06/2008
• Issued: 06/12/2012
• Est. Priority Date: 02/28/2006
• Status: Expired due to Fees

• 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: Wood, JR., Lowell L., Jung, Edward K. Y., Levien, Royce A., Lord, Robert W., Malamud, Mark A., Rinaldo, Jr., John D.
• Primary Examiner(s): CAMPEN, KELLY SCAGGS
• Application Number:
  US12/221,932
• Publication Number:
  US 20080313045A1
• Time in Patent Office: 1,406 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 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/40 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 20/405 Establishing or using transaction specific rules
• 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 system may include obtaining first and second mode ranking based on categorical attributes of a first item and on payment mode use constraints and transmitting an indication of a first payment mode responsive to the first or the second mode ranking. The obtaining may include 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, displaying the common control in a grid cell indicating an association between the first payment mode and the first item, displaying an indication of the first item, the second item, the first payment mode, the second payment mode, and the first mode ranking via a common image, transmitting an authorization to use the first payment mode, and detecting an actuation of the common control.

Claims

1. A computing system comprising:

means 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;

means for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking; and

wherein each of the means for obtaining and the means for transmitting is non-transitory, and wherein at least one of the means for obtaining or the means for transmitting is at least partially implemented using hardware, further comprising a processor and in which the means 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;

means for 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;

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

means for displaying an indication of at least the first item, the second item, the first payment mode, the second payment mode, and the first mode ranking via a common image;

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

means for detecting an actuation of the common control; and

wherein the computing system comprises at least one of an application-specific integrated circuit, a specialized computer, or a field-programmable gate array.

2. The computing system of claim 1, in which the means 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:

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

3. The computing system of claim 1, further comprising a processor and in which the means 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:

means for displaying an indication of the first payment mode and a second payment mode via a common image.

4. The computing system of claim 1, in which the means 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:

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

5. The computing system of claim 1, in which the means 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:

means for transmitting the indication of the first payment mode to a display.

6. The computing system of claim 1, in which the means 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:

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

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

7. The computing system of claim 1, in which the means 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:

means for transmitting an authorization to use the first payment mode.

8. The computing system of claim 1, in which the means 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:

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

9. The computing system of claim 1, in which the means 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:

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

10. The computing system of claim 1, further comprising a processor and in which the means 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:

means for 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;

means for displaying via a common image, the common control, the payment indication of the first item by the first payment mode, and the payment indication of the second item by the second payment mode; and

means for detecting an actuation of the common control.

11. The computing system of claim 1, in which the means 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:

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

12. The computing system of claim 1, in which the means 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:

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

13. The computing system of claim 1, in which the means 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:

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

14. The computing system of claim 1, in which the means 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:

means for 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 computing system of claim 1, in which the means 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:

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

16. The computing system of claim 1, in which the means 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:

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

17. The computing system of claim 1, in which the means 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:

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

18. The computing system of claim 1, in which the means 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:

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

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

19. The computing system of claim 1, in which the means 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:

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

20. The computing system of claim 1, in which the means 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:

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

21. The computing system of claim 1, in which the means 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:

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

22. The computing system of claim 1, in which the means 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:

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

23. The computing system of claim 1, in which the means 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:

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

24. The computing system of claim 1, in which the means 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:

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

25. The computing system of claim 1, in which the means 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:

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

26. The computing system of claim 1, in which the means 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:

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

27. The computing system of claim 1, in which the means 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:

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

28. The computing system of claim 1, in which the means 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:

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

29. The computing system of claim 1, in which the means 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:

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

30. The computing system of claim 1, in which the means 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:

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

31. The computing system of claim 1, in which the means 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:

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

32. The computing system of claim 1, wherein at least one of the means for obtaining or the means for transmitting includes a processor, and wherein the means 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:

means for displaying an indication of at least the first item, a second item, the first payment mode, a second payment mode, and the first mode ranking via a common image;

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

means for 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;

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

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

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

means for itemizing the first item by indicating at least a first quantity and a second quantity of the first item;

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

means for receiving a heterogeneous payment authorization via the portable device; and

wherein the computing system comprises at least one of an application-specific integrated circuit, a specialized computer, or a field-programmable gate array.

33. The computing system of claim 1:

wherein the computing system further comprises a processor; and

wherein the means 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;

means for displaying an indication of a 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 or 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 the second payment mode.

34. A computing system having at least one processor, comprising:

the at least one processor configured 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

at least one transmitting device configured for transmitting at least an indication of a first payment mode responsive to at least the first mode ranking or the second mode ranking, wherein the at least one transmitting device configured 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;

the at least one processor configured for 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;

a user interface and a display configured to display in a common image, the common control, the first item, the second item, the first payment mode, and the second payment mode; and

the user interface and the display, further configured to detect a user actuation of the common control.