Guaranty provisioning via wireless service purveyance

• US 9,818,105 B2
• Filed: 12/31/2013
• Issued: 11/14/2017
• Est. Priority Date: 10/29/2013
• Status: Active Grant

• Current Assignee: Elwha LLC (Intellectual Ventures LLC)
• Original Assignee: Elwha LLC (Intellectual Ventures LLC)
• Inventors: Jung, Edward K. Y., Lord, Richard T., Lord, Robert W.
• Primary Examiner(s): Civan, Ethan D
• Assistant Examiner(s): Shui, Ming
• Application Number:
  US14/145,811
• Publication Number:
  US 20150120550A1
• Time in Patent Office: 1,414 Days
• Field of Search: 705 261- 272
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 30/0637 Approvals

Abstract

Disclosed herein are example embodiments for guaranty provisioning via wireless service purveyance. For certain example embodiments, at least one device, such as a server device of a wireless service provider: (i) may detect at least one proffered guaranty transaction that is associated with at least one product transaction; or (ii) may proffer at least one guaranty based at least partially on at least one wireless service data stream.

Claims

1. A method comprising:

detecting at least one location of at least one proffered guaranty transaction that is associated with at least one product transaction;

monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction, the circuitry for monitoring including at least circuitry for analyzing at least one image captured via the at least one mobile device associated with the at least one party to the at least one product transaction, the analyzing including at least;

determining, via facial recognition, whether the at least one image includes the at least one party;

detecting at least some location data associated with the at least one image; and

determining whether the at least one image corroborates the at least one location of the at least one product transaction based at least partially on the determining whether the at least one image includes the at least one party and based at least partially on the detected at least some location data associated with the at least one image; and

proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction,

wherein at least one of the detecting at least one proffered guaranty transaction or the proffering at least one guaranty is at least partially implemented using one or more processors.

2. A system comprising:

circuitry for detecting at least one location of at least one proffered guaranty transaction that is associated with at least one product transaction;

circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction, the circuitry for monitoring including at least circuitry for analyzing at least one image captured via the at least one mobile device associated with the at least one party to the at least one product transaction, the analyzing including at least;

circuitry for determining, via facial recognition, whether the at least one image includes the at least one party;

circuitry for detecting at least some location data associated with the at least one image; and

circuitry for determining whether the at least one image corroborates the at least one location of the at least one product transaction based at least partially on the determining whether the at least one image includes the at least one party and based at least partially on the detecting at least some location data associated with the at least one image; and

circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction.

3. The system of claim 2, wherein the circuitry for detecting at least one proffered guaranty transaction that is associated with at least one product transaction comprises:

circuitry for detecting at least one proffered guaranty transaction via at least one application programming interface (API) exposed by at least one wireless service provider.

4. The system of claim 2, wherein the circuitry for detecting at least one proffered guaranty transaction that is associated with at least one product transaction comprises:

circuitry for detecting at least one opportunity to attempt to form a guaranty transaction.

5. The system of claim 4, wherein the circuitry for detecting at least one opportunity to attempt to form a guaranty transaction comprises:

circuitry for detecting at least one request for one or more bids to at least partially guarantee payment with respect to at least one product transaction.

6. The system of claim 2, wherein the circuitry for detecting at least one proffered guaranty transaction that is associated with at least one product transaction comprises:

circuitry for retrieving at least one indication that at least references the at least one proffered guaranty transaction.

7. The system of claim 2, wherein the circuitry for detecting at least one proffered guaranty transaction that is associated with at least one product transaction comprises:

circuitry for detecting one or more transaction characteristics corresponding to at least one product transaction.

8. The system of claim 7, wherein the circuitry for detecting one or more transaction characteristics corresponding to at least one product transaction comprises:

circuitry for detecting at least one of a party identifier or a product identification.

9. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for proffering at least one assurance that at least one entity affiliated with at least one product transaction is to be compensated.

10. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for proffering at least one indication of at least one of disagreement handling or repudiation handling.

11. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for proffering at least one indication of contingency.

12. The system of claim 11, wherein the circuitry for proffering at least one indication of contingency comprises:

circuitry for proffering at least one indication that an obligation of at least one guaranty is contingent on production of evidence of falsification with respect to at least one transaction characteristic corresponding to at least one product transaction.

13. The system of claim 12, wherein the circuitry for proffering at least one indication that an obligation of at least one guaranty is contingent on production of evidence of falsification with respect to at least one transaction characteristic corresponding to at least one product transaction comprises:

circuitry for proffering at least one indication that payment is conditional on evidence that an actual location of a customer is different from a purported location of the customer.

14. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for analyzing one or more wireless service data stream events that relate along at least one dimension to at least one product transaction.

15. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for ascertaining if at least one wireless service data stream event corroborates at least one transaction characteristic.

16. The system of claim 15, wherein the circuitry for ascertaining if at least one wireless service data stream event corroborates at least one transaction characteristic comprises:

circuitry for determining if at least some extracted text comports with at least one product category of a product corresponding to at least one product transaction.

17. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for proffering based at least partially on at least one receipt of at least one satellite positioning system (SPS) coordinate corresponding to at least one mobile device.

18. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for proffering based at least partially on at least one propagation of at least one wireless signal acquired via at least one wireless access point (AP).

19. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for proffering based at least partially on at least one propagation of at least one wireless signal acquired via at least one base station (BS).

20. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for proffering based at least partially on at least one handoff from one base station to another base station.

21. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for proffering based at least partially on at least one intercepted mobile device communication.

22. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction comprises:

circuitry for proffering based at least partially on at least two wireless service data stream events.

23. The system of claim 22, wherein the circuitry for proffering based at least partially on at least two wireless service data stream events comprises:

circuitry for proffering based at least partially on at least one text message and at least one location indication.

24. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction comprises:

circuitry for detecting at least one time of flight.

25. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction comprises:

circuitry for detecting at least one delay time for signal propagation.

26. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction comprises:

circuitry for detecting an ability of at least one mobile device to wirelessly communicate with at least one wireless node.

27. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction comprises:

circuitry for ascertaining at least one location based at least partially on a location of at least one access point (AP).

28. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction comprises:

circuitry for ascertaining at least one location based at least partially on a location of at least one base station (BS); and

circuitry for detecting that the at least one mobile device has connected to the at least one base station.

29. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction comprises:

circuitry for ascertaining at least one path of travel that corresponds to at least one mobile device.

30. The system of claim 29, wherein the circuitry for ascertaining at least one path of travel that corresponds to at least one mobile device comprises:

circuitry for ascertaining at least two locations that correspond to at least one mobile device.

31. The system of claim 29, wherein the circuitry for ascertaining at least one path of travel that corresponds to at least one mobile device comprises:

circuitry for ascertaining at least one rate of travel that corresponds to at least one mobile device.

32. The system of claim 29, wherein the circuitry for ascertaining at least one path of travel that corresponds to at least one mobile device comprises:

circuitry for identifying at least one place that is associated with at least one mobile device along at least one path of travel that corresponds to the at least one mobile device.

33. The system of claim 29, wherein the circuitry for ascertaining at least one path of travel that corresponds to at least one mobile device comprises:

circuitry for comparing at least one path of travel that corresponds to at least one mobile device to one or more historical paths of travel.

34. The system of claim 2, wherein the circuitry for detecting at least one location of at least one proffered guaranty transaction that is associated with at least one product transaction at least one product transaction comprises:

circuitry for detecting interaction between the at least one mobile device and at least one wireless node having a fixed location.

35. The system of claim 2, wherein the circuitry for detecting at least one location of at least one proffered guaranty transaction that is associated with at least one product transaction at least one product transaction comprises:

circuitry for detecting at least one product location within a defined proximity to at least one network element.

36. The system of claim 2, wherein the circuitry for proffering at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream comprises:

circuitry for proffering based at least partially on an indication that the at least one image corroborates the at least one location of the at least one product transaction.

37. The system of claim 2, wherein the circuitry for detecting at least one location of at least one proffered guaranty transaction that is associated with at least one product transaction at least one product transaction comprises:

circuitry for determining that the at least one mobile device is within communication range of at least one wireless node having a determinable location at the time the at least one product transaction is initiated.

38. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction, the circuitry for monitoring including at least circuitry for analyzing at least one image captured via the at least one mobile device associated with the at least one party to the at least one product transaction comprises:

circuitry for detecting that at least one party to the at least one product transaction has made at least one post on at least one social media account associated with the at least one party;

circuitry for determining, via facial recognition, whether the at least one image includes the at least one party;

circuitry for determining whether the social media account associated with the at least one party was accessed via the at least one mobile device associated with the at least one party;

circuitry for determining, via at least some location data obtained from the at least one mobile device, at least one location associated with the at least one social media post; and

circuitry for proffering the at least one guaranty based at least partially on a determination that the at least one social media post corroborates the at least one location of the at least one product transaction.

39. The system of claim 2, wherein the circuitry for detecting at least one location of at least one proffered guaranty transaction that is associated with at least one product transaction comprises:

circuitry for detecting that at least one product transaction has been initiated in at least one location,

wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction, the circuitry for monitoring including at least circuitry for analyzing at least one image captured via the at least one mobile device associated with the at least one party to the at least one product transaction includes at least;

circuitry for determining whether the at least one location of the initiated at least one product transaction is inconsistent with historical location data of the at least one mobile device associated with the at least one party to the at least one product transaction; and

circuitry for prompting the at least one party to capture at least one image of the at least one party based at least partially on the determining whether the at least one location of the initiated at least one product transaction is inconsistent with historical location data of the at least one mobile device associated with the at least one party to the at least one product transaction.

40. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction, the circuitry for monitoring including at least circuitry for analyzing at least one image captured via the at least one mobile device associated with the at least one party to the at least one product transaction comprises:

circuitry configured for accessing at least one image stored on the at least one mobile device.

41. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction, the circuitry for monitoring including at least circuitry for analyzing at least one image captured via the at least one mobile device associated with the at least one party to the at least one product transaction comprises:

circuitry configured for determining whether at least one time of capture associated with the at least one image corroborates at least one time associated with the at least one product transaction.

42. The system of claim 2, wherein the circuitry for monitoring at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction, the circuitry for monitoring including at least circuitry for analyzing at least one image captured via the at least one mobile device associated with the at least one party to the at least one product transaction comprises:

circuitry configured for accessing at least one image uploaded to at least one social media account associated with the at least one party; and

circuitry configured for determining whether the at least one image uploaded to the at least one social media account was uploaded via the at least one mobile device.

43. A system, comprising:

a computing device; and

instructions that, when executed on the computing device, cause the computing device to;

detect at least one location of at least one proffered guaranty transaction that is associated with at least one product transaction;

monitor at least one wireless service data stream to ascertain at least one location that corresponds to at least one mobile device associated with at least one party to the at least one product transaction, the instructions to monitor including at least instructions to analyze at least one image captured via the at least one mobile device associated with the at least one party to the at least one product transaction, the instructions to analyze including instructions to at least;

determine, via facial recognition, whether the at least one image includes the at least one party;

detect at least some location data associated with the at least one image; and

determine whether the at least one image corroborates the at least one location of the at least one product transaction based at least partially on the determination whether the at least one image includes the at least one party and based at least partially on the detected at least some location data associated with the at least one image; and

proffer at least one guaranty based at least partially on the at least one location ascertained from the at least one wireless service data stream and based at least partially on the determination that the at least one image corroborates the at least one location of the at least one product transaction.