Methods for an alternative payment platform

• US 10,733,664 B2
• Filed: 04/11/2012
• Issued: 08/04/2020
• Est. Priority Date: 07/28/2006
• Status: Active Grant

• Current Assignee: TrialPay Incorporated (Visa, Inc.)
• Original Assignee: TrialPay Incorporated (Visa, Inc.)
• Inventors: Rampell, Alastair, Campbell, Alexander E., Angelos, Terry
• Primary Examiner(s): Netzloff, Eric R
• Assistant Examiner(s): Henry, Rodney M
• Application Number:
  US13/444,161
• Publication Number:
  US 20120197730A1
• Time in Patent Office: 3,037 Days
• Field of Search: 705 14
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0253 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0611 Request for offers or quotes
• CPC Class Codes: G06Q 30/0633 Lists, e.g. purchase orders, compilation or processing
• 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 50/188 Electronic negotiation

Abstract

Methods and systems are provided for providing an alternative payment platform, including method and systems for providing a platform for presenting an alternate offer to a user who is engaged with a primary offer and receiving an indication of the user'"'"'s engagement with the alternate offer, wherein the user'"'"'s engagement with the alternate offer serves as an alternative form of payment for an item associated with the primary offer. Such methods and systems may further include methods and systems for selecting one or more alternate offers engagement with which serves as an alternative form of payment for an item associated with a primary offer, presenting the selected alternate payment offers to a user, receiving an indication of engagement with at least one and providing payment to the offeror the primary offer.

Claims

1. A computerized method of providing a vendor credit with a variable portion in an electronic commerce transaction on an alternative payment platform comprising:

using a computer, presenting a primary offer of an item of a vendor to a mobile device for display, said computer connecting to the mobile device via a computer network, said primary offer including terms thereof in a primary payment platform;

in response to receiving a selection of the primary offer, presenting, using the computer, an alternate offer of an advertiser with an alternative offer graphical user interface (GUI) defining an alternative payment platform to the mobile device, said alternative offer GUI including an element for accepting the alternate offer on the alternative payment platform, said alternate offer entitling a user to receive the item of the primary offer at new terms via the alternative payment platform that are different from the terms the primary offer on the primary payment platform;

transitioning, from the computer, from the primary payment platform to the alternate payment platform via the computer network in response to the accepting of the alternate offer, and maintaining the same appearance as the primary payment platform;

causing, via the computer, the alternative offer (GUI) to be displayed from the alternate payment platform on an electronic display of the mobile device, said alternative offer GUI interacting with the user as an indication to acquire the primary offer via the alternate payment platform through the alternate offer;

receiving the indication, using the computer, of a fulfillment of the alternate offer;

in response to receiving the indication, generating, using the computer, a credit for the primary offer via the alternative payment platform to be paid to the vendor upon the user'"'"'s fulfillment of the alternate offer on the alternative payment platform, the credit including a fixed portion relating to a predetermined minimum primary offer price and a variable portion determined by the computer for the alternate offer when the alternative offer is fulfilled in response to a selection by the user on the alternative offer graphical user interface;

receiving an indication of completion of the user'"'"'s fulfillment of the alternate offer, wherein the indication comprises receiving an encrypted product authorization from the facilitator by the user for accessing the received item; and

paying the credit to the vendor.

2. The method of claim 1, in which the new terms include a new price different, wherein the new price is less than a price of the primary offer.

3. The method of claim 1, in which the variable portion is determined based on an advertising cost.

4. The method of claim 1, in which the variable portion is determined based on an expected profit.

5. The method of claim 1, in which the variable portion is determined based on prior transactions.

6. The method of claim 1, in which the variable portion is determined based on a characteristic of the user.

7. The method of claim 6, in which the characteristic of the customer includes a location of the customer.

8. The method of claim 6, in which the characteristic of the customer includes a credit worthiness of the customer.

9. The method of claim 1, in which the variable portion is determined when the alternate offer is fulfilled.

10. The method of claim 9, in which the alternate offer is fulfilled when the alternate offer is accepted.

11. The method of claim 9, in which the alternate offer is fulfilled when the alternate offer is viewed.

12. The method of claim 9, in which the alternate offer is fulfilled when a predetermined action is taken with respect to the alternate offer.

13. The method of claim 1, in which the credit further includes a fixed portion.

14. The method of claim 13, in which the fixed portion is related to a retail cost of the item of the primary offer.

15. The method of claim 1, further comprising identifying the advertiser from a plurality of advertisers based on a matching criterion.

16. The method of claim 1, further comprising identifying the advertiser from a plurality of advertisers based using an auction process.

17. The method of claim 1 in which the primary offer includes an offer for virtual currency.

18. The method of claim 17, in which the virtual currency is usable in a gaming environment.

19. The method of claim 1, in which the primary offer includes an offer to access premium content.

20. A non-transitory computer readable medium bearing instructions that, when executed, cause one or more computers to:

present a primary offer of an item of a vendor over a computer network to a mobile device for display, said primary offer including terms thereof in a primary payment platform;

in response to receiving a selection of the primary offer, presenting, using the computer, an alternate offer of an advertiser with an alternative offer graphical user interface (GUI) defining an alternative payment platform to the mobile device, said alternative offer GUI including an element for accepting the alternate offer on the alternative payment platform, said alternate offer entitling a user to receive the item of the primary offer at new terms via the alternative payment platform that are different from the terms the primary offer on the primary payment platform;

transitioning, from the computer, from the primary payment platform to the alternate payment platform via the computer network in response to the accepting of the alternate offer, and maintaining the same appearance as the primary payment platform;

causing, via the computer, the alternative offer (GUI) to be displayed from the alternate payment platform on an electronic display of the mobile device, said alternative offer GUI interacting with the user as an indication to acquire the primary offer via the alternate payment platform through the alternate offer;

receiving the indication, using the computer, of a fulfillment of the alternate offer;

in response to receiving the indication, generating, using the computer, a credit for the primary offer via the alternative payment platform to be paid to the vendor on the alternative payment platform, the credit including a fixed portion relating to a predetermined minimum primary offer price and a variable portion determined by the computer for the alternate offer when the alternate offer is fulfilled in response to a selection by the user on the alternative offer graphical user interface;

receive an indication of completion of the user'"'"'s fulfillment of the alternate offer, wherein the indication comprises receiving an encrypted product authorization from the facilitator by the user for accessing the received item; and

pay the credit from the facilitator to the vendor.