WO2009041957A2 - Produits et procédés de gestion du partage et de la distribution de revenus - Google Patents

Produits et procédés de gestion du partage et de la distribution de revenus Download PDF

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Publication number
WO2009041957A2
WO2009041957A2 PCT/US2007/079171 US2007079171W WO2009041957A2 WO 2009041957 A2 WO2009041957 A2 WO 2009041957A2 US 2007079171 W US2007079171 W US 2007079171W WO 2009041957 A2 WO2009041957 A2 WO 2009041957A2
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WO
WIPO (PCT)
Prior art keywords
product
payment
indication
referrer
merchant
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/US2007/079171
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English (en)
Other versions
WO2009041957A3 (fr
Inventor
Howard W. Lutnick
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to PCT/US2007/079171 priority Critical patent/WO2009041957A2/fr
Publication of WO2009041957A2 publication Critical patent/WO2009041957A2/fr
Publication of WO2009041957A3 publication Critical patent/WO2009041957A3/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • Figure 2 shows an example process that may be performed in accordance with some embodiments
  • Figure 4 shows yet another example process that may be performed in accordance with some embodiments
  • Figure 5 shows still another example process that may be performed in accordance with some embodiments
  • calculating and grammatical variants thereof (e.g., to calculating a price, calculating a value) is used in an extremely broad sense.
  • the term “calculating” encompasses a wide variety of actions and therefore “calculating” can include computing, processing, deriving, investigating, looking up (e.g., looking up in a table, a database or another data structure), ascertaining and the like.
  • calculating can include receiving (e.g., receiving information), accessing (e.g., accessing data in a memory) and the like.
  • calculating can include resolving, selecting, choosing, establishing, and the like.
  • calculating does not imply certainty or absolute precision, and therefore “calculating” can include estimating, predicting, guessing and the like.
  • the term “calculating” does not imply that mathematical processing must be performed, and does not imply that numerical methods must be used, and does not imply that an algorithm or process is used.
  • the term “calculating” does not imply that any particular device must be used. For example, a computer need not necessarily perform the calculating.
  • a number "1" may indicate a sound, a color, a menu item, or any other thing depending, e.g., on the configuration of a computing system configured to interpret the number.
  • an indication may be divided into a plurality of portions, such as a plurality of electronic messages being transmitted from one location to another.
  • multiple indications may be combined into a single message.
  • ordinal number such as “first”, “second”, “third” and so on
  • that ordinal number is used (unless expressly specified otherwise) merely to indicate a particular feature, such as to distinguish that particular feature from another feature that is described by the same term or by a similar term.
  • a "first widget” may be so named merely to distinguish it from, e.g., a "second widget”.
  • the mere usage of the ordinal numbers “first” and “second” before the term “widget” does not indicate any other relationship between the two widgets, and likewise does not indicate any other characteristics of either or both widgets.
  • the mere usage of the ordinal numbers “first” and “second” before the term “widget” (1) does not indicate that either widget comes before or after any other in order or location; (2) does not indicate that either widget occurs or acts before or after any other in time; and (3) does not indicate that either widget ranks above or below any other, as in importance or quality.
  • the mere usage of ordinal numbers does not define a numerical limit to the features identified with the ordinal numbers (e.g., "a plurality of first widgets" indicates two or more widgets that are distinct from other widgets).
  • the mere usage of the ordinal numbers “first” and “second” before the term “widget” does not indicate that there must be no more than two widgets.
  • a single device / article may alternatively be used in place of the more than one device or article that is described.
  • a plurality of computer-based devices may be substituted with a single computer-based device.
  • the various functionality that is described as being possessed by more than one device or article may alternatively be possessed by a single device / article.
  • Devices that are described as in communication with each other need not be in continuous communication with each other, unless expressly specified otherwise. On the contrary, such devices need only transmit to each other as necessary or desirable, and may actually refrain from exchanging data most of the time. For example, a machine in communication with another machine via the Internet may not transmit data to the other machine for long periods of time (e.g., weeks at a time). In addition, devices that are in communication with each other may communicate directly or indirectly through one or more intermediaries. [29] A description of an embodiment with several components or features does not imply that all or even any of such components / features are required. On the contrary, a variety of optional components are described to illustrate the wide variety of possible embodiments of the present invention. Unless otherwise specified explicitly, no component / feature is essential or required.
  • process or product may be described singly or without reference to other processes or products, in some embodiments the process or product may interact with other processes or products. For example, such interaction may include linking one business model to another business model. Such interaction may be provided to enhance the flexibility or desirability of the process.
  • a computing device 103 may include a specialized or general purpose computing device such as a cellular phone, a personal digital assistant, and / or any other portable or non-portable computing system that is not a general purpose computer.
  • a "processor” 105 means one or more microprocessors, central processing units (CPUs), computing devices, microcontrollers, digital signal processors, application specific integrated circuits, or like devices or any combination thereof.
  • a processor may include an Intel® Pentium®, Centrino®, and / or Core® processor.
  • a processor 105 will receive instructions (e.g., from a memory or like device), and execute those instructions, thereby performing one or more processes defined by those instructions.
  • the processor and operating system together may define a computer platform for which programs stored on a machine-readable medium may be written in various programming languages, including an object-oriented programming language, such as SmallTalk, Java, C++, Ada, Python, or C# (C-Sharp), functional programming languages, scripting programming languages such as JavaScript, and / or logical programming languages.
  • object-oriented programming language such as SmallTalk, Java, C++, Ada, Python, or C# (C-Sharp)
  • functional programming languages such as SmallTalk, Java, C++, Ada, Python, or C# (C-Sharp)
  • scripting programming languages such as JavaScript
  • / or logical programming languages e.g., a non-programmed environment
  • Some implementations of the present invention may be implemented using a plurality of programming languages and techniques known collectively as AJAX to provide a user with an interactive web-based user interface.
  • Various embodiments of the present invention may include a network environment including one or more computing systems (e.g., general purpose computers 101, other computing devices 103) in communication through one or more communication networks (e.g., a LAN 119, the Internet 121).
  • the computer systems may communicate directly or indirectly, via any wired or wireless medium (e.g., the Internet 121, LAN 119, WAN or Ethernet, Token Ring, a telephone line, a cable line, a radio channel, an optical communications line, commercial on-line service providers, bulletin board systems, a satellite communications link, cellular telephone networks, a WI-FI network, a Bluetooth communication link, a combination of any of the above).
  • any wired or wireless medium e.g., the Internet 121, LAN 119, WAN or Ethernet, Token Ring, a telephone line, a cable line, a radio channel, an optical communications line, commercial on-line service providers, bulletin board systems, a satellite communications link, cellular telephone networks, a WI-FI network, a
  • the database server may maintain one or more database tables having information stored therein to facilitate the operation of some embodiments.
  • one or more computer systems may act as a web server.
  • a web server may be configured to respond to network requests (e.g., HTTP messages, XMLHTTP requests) from web browsers executed by remote computer systems.
  • network requests e.g., HTTP messages, XMLHTTP requests
  • a web browser 123 executed by a computing system may direct an HTTP message through the Internet 121 to an edge routing device 125 connected to the LAN 119.
  • the edge routing device 125 may be configured to direct the HTTP message to the web server through the LAN 119.
  • the web server may provide a response (e.g., an HTML document) to the web browser 123 through the edge routing device 125 and Internet 121.
  • the web server may be configured to communicate with other computer systems (e.g., a database server) to generate responses to such a received request.
  • a server computer / centralized authority may not be necessary or desirable.
  • the present invention may, in an embodiment, be practiced on one or more computing devices without a central authority.
  • any functions described herein as performed by a server or data described as stored on a general purpose computer may instead be performed by or stored on one or more such computing devices.
  • the term "machine-readable medium” refers to any medium that participates in providing data (e.g., instructions, data structures) which may be read by a computer, a processor or a like device.
  • data may be (i) delivered from RAM to a processor; (ii) carried over a wireless transmission medium; (iii) formatted and / or transmitted according to numerous formats, standards or protocols, such as Ethernet (or IEEE 802.3), SAP, ATP, BluetoothTM, and TCP/IP, TDMA, CDMA, and 3G; and / or (iv) encrypted to ensure privacy or prevent fraud in any of a variety of ways well known in the art.
  • a description of a process is likewise a description of a machine-readable medium storing a program for performing the process.
  • the machine-readable medium can store (in any appropriate format) those program elements that are appropriate to perform the process.
  • the process may operate without any user intervention. In other embodiments, the process includes some human intervention (e.g., an act is performed by or with the assistance of a human).
  • embodiments of an apparatus may include one or more computer systems operable to perform some (but not necessarily all) of the described process.
  • a machine-readable medium storing a program or data structure include a machine-readable medium storing a program that, when executed, can cause one or more processors to perform some (but not necessarily all) of the described process.
  • structure corresponding to a specified function includes any product programmed to perform the specified function.
  • Such structure includes programmed products which perform the function, regardless of whether such product is programmed with (i) a disclosed algorithm for performing the function, (ii) an algorithm that is similar to a disclosed algorithm, or (iii) a different algorithm for performing the function.
  • each indication of a referral may indicate a referrer.
  • a referrer may include at least one of an individual, a referring webpage (e.g., a webpage that redirects a user to a webpage for entering lender / borrower information), an organization, and / or any other entity.
  • indications of referrals are mentioned above, other non-limiting examples may include electronic messages, temporary internet browser storage (e.g., cookies), a URL (e.g., referrer.placereferredto.com), and / or any other type of indication.
  • process 200 may include facilitating at least one loan.
  • the loan may include a loan of money from at least one lender (e.g., a lender about whom an indication of information is received at block 205) to at least one borrower (e.g., a borrower about whom an indication of information is received at block 207).
  • the at least one loan may include a plurality of loans.
  • facilitating may include matching at least one lender with at least one borrower based on the respective received indications of information. For example, in some implementations, a lender willing to provide a loan at a particular interest rate may be matched with a borrower willing to take a loan at or near that interest rate. In some implementations, other information such as terms, amounts of money, credit worthiness, and / or any other desired items may be matched as well or as an alternative to interest rates.
  • Process 215 may end at block 215. It should be understood that process 200 may include some described acts in any order and that other embodiments may include other non-described acts and / or may not include some or all described acts. It should further be understood that some acts may be performed simultaneously as a single act rather than separate acts in some implementations.
  • the bonding value may include a percentage of the value of the product (e.g., 10%). Determining a bonding value may include determining the amount of money equal to such a percentage. In some implementations, a bonding value may vary based on other criteria such as distance, fragility, risk adversity of source / destination, and / or any other information.
  • process 500 may begin at block 501.
  • some embodiments of process 500 may include receiving a first indication of a credit card payment.
  • the indication may be received, for example by a merchant, a credit card company, or any other desired entity.
  • the indication may include credit card information identifying a credit card, payment information identifying a payment to be made to the credit card, authorization information authorizing the payment to be made to the credit card, and / or any other desired information.
  • some embodiments may include calculating at least a portion of the payment to allocate to one or more referrers associated with the referral.
  • a referrer may include an individual or entity identified by the indication of the referral as having referred the subject of the referral.
  • a percentage of the payment or some part of the payment may be calculated for allocation. In some implementations, such a percentage may vary, for example in accordance with a size of the payment, amount of interest charged, number of people referred by the referrer, and / or any other criteria.
  • each respective second information includes a desired interest rate of at least one respective borrower of the plurality of borrowers.
  • a method comprising receiving first information regarding at least one lender; receiving second information regarding at least one borrower; and determining at least a portion of a payment 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.
  • An apparatus comprising at least one machine readable medium, the at least one machine readable medium having stored thereon a plurality of machine instructions, the plurality of machine instructions together being able to control at least one computer system to perform a method according to paragraph [147].
  • a method comprising receiving a request for a delivery of at least one product; receiving an indication of a value of the at least one product; transmitting a request for a bonding of a delivery agent, a value of the request for the bonding being based, at least in part, on the value of the at least one product; receiving an indication that a sum of money at least as great as the value of the request for the bonding is available to bond the delivery agent; transmitting, to the delivery agent, a request to deliver the at least one product.
  • transmitting the request for the bonding includes transmitting a request to lock a charge on at least one credit card, a value of the charge corresponding to a value of the request for the bonding.
  • receiving the indication that the sum of money at least as great as the value of the request for the bonding is available includes receiving an indication that the charge has been successfully locked on the at least one credit card.
  • receiving an indication that the sum of money at least as great as the value of the request for the bonding is available includes at least one of receiving an indication that the money is held by a trusted entity, and receiving the money.
  • acting as an agent includes taking possession of the at least one product from at least one merchant without paying the at least one merchant to take ownership of the at least one product during the delivery of the at least one product; and transferring possession of the at least one product to at least one customer upon delivery of the at least one product.
  • the request for the delivery includes a request to deliver the at least one product from a merchant to a customer.
  • the value of the request includes at least a percentage of the value of the at least one product.
  • An apparatus comprising at least one machine readable medium, the at least one machine readable medium having stored thereon a plurality of machine instructions, the plurality of machine instructions together being able to control at least one computer system to perform a method according to paragraph [178].
  • a method comprising receiving a request for a delivery of at least one product; receiving a plurality of reviews, each review of the plurality of reviews corresponding to a respective one of a plurality of delivery agents; selecting at least one delivery agent from the plurality of delivery agents, based, at least in part, on at least one of the plurality of reviews; and transmitting, to the at least one delivery agent, a request to deliver the at least one product.
  • each review of the plurality of reviews includes at least one of a fact and an opinion regarding a respective one of the plurality of delivery agents.
  • selecting the at least one delivery agent includes selecting a relatively positively reviewed delivery agent.
  • selecting the relatively positively reviewed delivery agent includes selecting an available delivery agent.
  • selecting the relatively positively reviewed delivery agent includes selecting a most positively reviewed delivery agent of the plurality of delivery agents.
  • filtering the reviews includes filtering the reviews based at least on one of a social network of a merchant, and a social network of a recipient.
  • An apparatus comprising at least one machine readable medium, the at least one machine readable medium having stored thereon a plurality of machine instructions, the plurality of machine instructions together being able to control at least one computer system to perform a method according to paragraph [191].
  • a method comprising receiving an indication of a credit card payment; determining at least one of a type of a credit card and a merchant associated with the credit card payment; calculating, based, at least in part, on the at least one of the type of the credit card and the merchant, at least a first portion of the credit card payment to allocate to a purchaser associated with the credit card payment; and calculating at least a second portion of the credit card payment to allocate to the merchant associated with the credit card payment.
  • offering the at least one of the product and the service includes indicating at least one price for the at least one of the product and the service, the at least one price being a normal price at which the at least one of the product and the service is offered by the at least one merchant, and wherein the at least one price includes a merchant portion and a fee portion.
  • An apparatus comprising at least one machine readable medium, the at least one machine readable medium having stored thereon a plurality of machine instructions, the plurality of machine instructions together being able to control at least one computer system to perform a method according to paragraph [207].
  • a method comprising receiving an indication of a referral of a credit card; receiving an indication of a payment associated with the credit card; and calculating at least a portion of the payment to allocate to a referrer associated with the referral.
  • An apparatus comprising at least one machine readable medium, the at least one machine readable medium having stored thereon a plurality of machine instructions, the plurality of machine instructions together being able to control at least one computer system to perform a method according to paragraph [221].
  • the apparatus of paragraph [235] further comprising at least one processor configured to execute at least one instruction of the plurality of machine instructions.
  • a method comprising providing a user interface, the user interface including at least one advertisement; receiving at least one payment for inclusion of the at least one advertisement; allocating at least a portion of the at least one payment to at least one of a referrer associated with the user interface and a content provider associated with the user interface.
  • the content provider includes at least one of a merchant associated with the user interface, a provider of menu information associated with the user interface, a provider of association information associated with the user interface, and a provider of review information associated with the user interface.
  • An apparatus comprising at least one machine readable medium, the at least one machine readable medium having stored thereon a plurality of machine instructions, the plurality of machine instructions together being able to control at least one computer system to perform a method according to paragraph [237].
  • a method comprising receiving an indication of a payment, the payment including a merchant portion and a fee portion; determining at least a portion of the fee portion to allocate to at least one of a payer, a referrer, and a content provider associated with the payment.
  • offering the at least one of the product and the service includes indicating at least one price for the at least one of the product and the service, the at least one price being a normal price at which the at least one of the product and the service is offered by the at least one merchant, and wherein the at least one price includes the merchant portion and the fee portion.
  • the content provider includes at least one of a merchant associated with the user interface, a provider of menu information associated with the user interface, a provider of association information associated with the user interface, and a provider of review information associated with the user interface.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne diverses techniques de distribution de revenus et/ou d'argent, de sélection/cautionnement d'agents de livraison, et de réalisation d'autres tâches. Ces procédés consistent à distribuer des parties de paiements d'emprunt à un ou plusieurs intermédiaires associés à un ou plusieurs emprunts, à cautionner et sélectionner des agents de livraison, à attribuer des parties de paiements par carte de crédit et/ou à partager des revenus publicitaires. L'invention concerne également un autre appareil et d'autres procédés.
PCT/US2007/079171 2007-09-21 2007-09-21 Produits et procédés de gestion du partage et de la distribution de revenus Ceased WO2009041957A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/US2007/079171 WO2009041957A2 (fr) 2007-09-21 2007-09-21 Produits et procédés de gestion du partage et de la distribution de revenus

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2007/079171 WO2009041957A2 (fr) 2007-09-21 2007-09-21 Produits et procédés de gestion du partage et de la distribution de revenus

Publications (2)

Publication Number Publication Date
WO2009041957A2 true WO2009041957A2 (fr) 2009-04-02
WO2009041957A3 WO2009041957A3 (fr) 2009-09-03

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/079171 Ceased WO2009041957A2 (fr) 2007-09-21 2007-09-21 Produits et procédés de gestion du partage et de la distribution de revenus

Country Status (1)

Country Link
WO (1) WO2009041957A2 (fr)

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2471078A1 (fr) * 2001-08-13 2003-02-27 Electronic Financial Services, Inc. Fonds de securisation de prets ayant des exigences predefinis
US20040035923A1 (en) * 2001-08-23 2004-02-26 Andrew Kahr Process for acquiring new borrowers by funding bill payment
US20060074793A1 (en) * 2002-02-22 2006-04-06 Hibbert Errington W Transaction management system
US20050187871A1 (en) * 2002-05-02 2005-08-25 Nancy Yeung System and method for collateralization of a commodity title
US20050203839A1 (en) * 2004-12-03 2005-09-15 Phoenix Analytic Services, Inc. Method for Transferring Mortgage Servicing Rights

Also Published As

Publication number Publication date
WO2009041957A3 (fr) 2009-09-03

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