Method and system to automatically qualify a party to participate within a network-based commerce transaction

• US 9,595,056 B2
• Filed: 05/31/2015
• Issued: 03/14/2017
• Est. Priority Date: 11/30/2000
• Status: Expired due to Term

• Current Assignee: eBay Inc.
• Original Assignee: eBay Inc.
• Inventors: Taylor, Jeffrey, Morin, Noel, Goodwine, Annette, Sze, Vicky, Hsin, James, Fung, Elaine, Shaviv, Vered, Maltzman, Reed
• Primary Examiner(s): Cheung, Mary
• Application Number:
  US14/726,583
• Publication Number:
  US 20150262274A1
• Time in Patent Office: 653 Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 30/08 Auctions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

A method and system to automatically qualify a party to participate within a network-based commerce transaction is described. The system receives information from a first party. The information relates to an item to be transacted via a network-based commerce system. The system transmits the information that relates to the item to a second party and receives, from the second party, a request to be qualified to transact the item via the network-based commerce system. The system further transmits, to the first party, a communication comprising information that is related to the second party including a credit score related to the second party. The system further receives, from the first party, a response that corresponds to the communication and automatically performs an authorization process based on the response.

Claims

1. A system comprising:

a server, implemented by one or more processors, that is configured to receive information from a first party, the information relates to an item to be transacted via a network-based commerce system, the server is further configured to transmit the information, that relates to the item, to a second party, the server is further configured to receive, from the second party, a request to be qualified to transact the item via the network-based commerce system, the request including a first hypertext transfer protocol put (HTTP) request, the server is further configured to transmit, to the first party, a communication comprising information that is related to the second party including a credit score related to the second party, the server is further configured to receive, from the first party, a response that corresponds to the communication, the response includes a second HTTP request; and

a qualification module, implemented by one or more processors, that is configured to automatically perform an authorization process based on the response.

2. The system of claim 1, wherein the qualification module is further configured to authorize the second party to transact in the transaction process responsive to an identification that the response includes an affirmation of a qualification of the second party.

3. The system of claim 1, wherein the information further comprises at least one of bankruptcy filing information, a record of timeliness in payment history, a credit card brand name, a payment service brand name, and further information regarding the second party being provided by a third party.

4. The system of claim 1, wherein the communication further comprises a number of bid retractions initiated by the second party in the network-based commerce system and the response comprises a denial of qualification of the second party to transact in the transaction process when the number of bid retractions exceeds a predetermined threshold.

5. The system of claim 1, wherein the response comprises an affirmation of qualification for the second party to transact in the transaction process via the network-based commerce system during a predetermined period of time.

6. The system of claim 1, wherein the response comprises an affirmation of qualification for the second party to transact via the network-based commerce system responsive to an identification of at least one criterion that is met by the second party during the transaction process for the item.

7. The system of claim 1, wherein the communication further comprises a history of a number of rule violations within the network-based commerce system initiated by the second party, and wherein the response comprises a denial of qualification of the second party to transact in the transaction process responsive to an identification of the number of rule violations exceeds a predetermined amount.

8. The system of claim 1, wherein the communication further comprises an amount of time that the second party has been registered with the network-based commerce system, and wherein the response comprises an affirmation of qualification for the second party to transact in the transaction process responsive to an identification the amount of time the second party has been registered exceeds a predetermined amount.

9. The system of claim 1, wherein the communication further comprises a relationship among a plurality of criteria, expressed with Boolean operators, and relating each of the criterion so as to define a criterion function.

10. A method comprising:

receiving information from a first party, the information relating to an item to be transacted via a network-based commerce system;

transmitting the information, relating to the item, to a second party;

receiving, from the second party, a request to be qualified to transact the item via the network-based commerce system, the receiving the request from the second party including receiving a first hypertext transfer protocol put (HTTP) request from the second party;

transmitting, to the first party, a communication comprising information that is related to the second party and including a credit score;

receiving, from the first party, a response corresponding to the communication, the receiving the response including receiving a second HTTP request; and

responsive to receiving the response, automatically performing an authorization process based on the response.

11. The method of claim 10, wherein the authorization process further comprises authorizing the second party to transact in the transaction process responsive to identifying the response affirms qualification of the second party.

12. The method of claim 10, wherein the information further comprises at least one of bankruptcy filing information, a record of timeliness in payment history, a credit card brand name, a payment service brand name, and further information regarding the second party being provided by a third party.

13. The method of claim 10, wherein the communication further comprises a number of bid retractions initiated by the second party in the network-based commerce system and the response comprises a denial of qualification of the second party to transact in the transaction process when the number of bid retractions exceeds a predetermined threshold.

14. The method of claim 10, wherein the response comprises an affirmation of qualification for the second party to transact in the transaction process via the network-based commerce system during a predetermined period of time.

15. The method of claim 10, wherein the response comprises an affirmation of qualification for the second party to transact via the network-based commerce system responsive to identifying at least one criterion is met by the second party.

16. The method of claim 10, wherein the communication further comprises a history of a number of rule violations within the network-based commerce system initiated by the second party.

17. The method of claim 10, wherein the response comprises a denial of qualification of the second party to transact in the transaction process responsive to identifying the number of rule violations exceeds a predetermined amount.

18. The method of claim 10, wherein the communication further comprises an amount of time that the second party has been registered with the network-based commerce system, and wherein the response comprises an affirmation of qualification for the second party to transact in the transaction process responsive to an identification the amount of time the second party has been registered exceeds a predetermined amount.

19. The method of claim 10, wherein the communication further comprises a relationship among a plurality of criteria, expressed with Boolean operators, and relating each of the criterion so as to define a criterion function.

20. A machine-readable hardware storage memory having no transitory signal and tangibly embodying a program of instructions which, when executed by the machine, cause the machine to perform operations comprising:

receiving information from a first party, the information relating to an item to be transacted via a network-based commerce system;

transmitting the information, relating to the item, to a second party;

receiving, from the second party, a request to be qualified to transact the item via the network-based commerce system, the receiving the request from the second party including receiving a first hypertext transfer protocol put (HTTP) request from the second party;

transmitting, to the first party, a communication comprising information that is related to the second party and including a credit score;

receiving, from the first party, a response corresponding to the communication, the receiving the response including receiving a second HTTP request; and

responsive to receiving the response, automatically performing an authorization process based on the response.