Products and processes for managing revenue sharing

• US 7,788,171 B2
• Filed: 09/21/2007
• Issued: 08/31/2010
• Est. Priority Date: 09/21/2007
• Status: Active Grant

• Current Assignee: CFPH LLC (Cantor Fitzgerald, L.P.)
• Original Assignee: CFPH LLC (Cantor Fitzgerald, L.P.)
• Inventors: Lutnick, Howard W.
• Primary Examiner(s): Trammell; James P
• Assistant Examiner(s): MILEF, ELDA G
• Application Number:
  US11/859,065
• Publication Number:
  US 20090083168A1
• Time in Patent Office: 1,075 Days
• Field of Search: 705/38, 705/35, 705/14.11, 705/14.16
• US Class Current: 705/38
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0208 Trade or exchange of goods or services in exchange for incentives or rewards
• CPC Class Codes: G06Q 30/0214 Referral reward systems
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Various techniques of distributing revenue and/or other money, selecting/bonding delivery agents, and performing other tasks are providing herein. Methods include distributing portions of loan payments to one or more referrers associated with one or more loans, bonding of delivery agents, selecting delivery agents, allocating portions of credit card payments and/or sharing advertisement revenue. Other apparatus and methods are disclosed.

Claims

1. A system comprising:

a memory, having stored thereon, a set of instruction, in which, when executed by a computing device, the set of instructions cause the computing device to perform a method comprising;

receiving a first indication of a first information regarding at least one lender;

receiving a plurality of second indications, each of the plurality of second indications indicating a respective second information regarding a respective at least one of a plurality of borrowers; and

determining, for each respective borrower of the plurality of borrowers, a respective first percentage of a payment of interest associated with a respective loan from the at least one lender to the respective borrower to allocate to at least one referrer;

determining, for each respective borrower of the plurality of borrowers, a respective second percentage of a payment of principal associated with a respective loan from the at least one lender to the respective borrower to allocate to the at least one referrer, in which the first percentage and the second percentage are different; and

transmitting an indication of the allocations.

2. The system of claim 1, wherein the at least one referrer includes a referrer of the at least one lender.

3. The system of claim 2, in which the method further comprises receiving at least one indication of a referral of the at least one lender.

4. The system of claim 1, wherein the at least one referrer includes a referrer of at least one borrower of the plurality of borrowers.

5. The system of claim 4, in which the method further comprises receiving at least one indication of a referral of the at least one borrower of the plurality of borrowers.

6. The system of claim 1, wherein the first information includes an offered interest rate by the at least one lender.

7. The system of claim 1, wherein the first information includes at least one of an amount of money to be loaned, a loan term, and a loan restriction.

8. The system of claim 1, wherein each respective second information includes a desired interest rate of at least one respective borrower of the plurality of borrowers.

9. The system of claim 8, wherein the second information includes at least one of an amount of money to be borrowed, a desired loan term, and credit information.

10. The system of claim 1, wherein at least one of the first percentage and the second percentage is, at least in part, on whether a referee of the referrer is the lender or one of the plurality of borrowers.

21. The system of claim 3, in which the indication of the referral includes a cookie saved on a remote computer system associated with the at least one lender.

22. The system of claim 5, in which the indication of the referral includes a cookie saved on a remote computer system associated with the at least one borrower.

25. The system of claim 1, in which determining at least one of the respective first percentage and the respective second percentage includes determining based on an amount of interest associated with the respective loan.

26. The system of claim 1, in which determining at least one of the respective first percentage and the respective second percentage includes determining based on a number of referees associated with the referrer.

11. A method comprising:

receiving, by a computer system configured to allocate, first information regarding at least one lender;

receiving, by the computer system, second information regarding at least one borrower; and

determining, by a processor of the computer system, a first percentage of a payment of interest associated with at least one loan from the at least one lender to the at least one borrower to allocate to at least one referrer;

determining, by the processor of the computer system, a second percentage of a payment of principal associated with the at least one loan from the at least one lender to the at least one borrower to allocate to the at least one referrer, in which the first percentage and the second percentage are different; and

providing, by the computer system, an indication of the allocations.

12. The method of claim 11, wherein the referrer includes a referrer of the at least one lender.

13. The method of claim 12, further comprising receiving, by the computer system, at least one indication of a referral of the at least one lender.

14. The method of claim 11, wherein the referrer includes a referrer of the at least one borrower.

15. The method of claim 14, further comprising receiving, by the computer system, at least one indication of a referral of the at least one borrower.

16. The method of claim 11, wherein the first information includes an offered interest rate by the at least one lender.

17. The method of claim 16, wherein the first information includes at least one of an amount of money to be loaned, a loan term, and a loan restrictions.

18. The method of claim 11, wherein the second information includes a desired interest rate of the at least one borrower.

19. The method of claim 18, wherein the second information includes at least one of an amount of money to be borrowed, a desired loan term, and credit information.

20. The method of claim 11 wherein at least one of the first percentage and the second percentage is based, at least in part, on whether a referee of the referrer is the lender or the borrower.

23. The method of claim 13, in which the indication of the referral includes a cookie saved on a remote computer system associated with the at least one lender.

24. The method of claim 15, in which the indication of the referral includes a cookie saved on a remote computer system associated with the at least one borrower.

27. The method of claim 11, in which determining at least one of the first percentage and the second percentage includes determining based on an amount of interest associated with the loan.

28. The method of claim 11, in which determining at least one of the first percentage and the second percentage includes determining based on a number of referees associated with the referrer.