Financier-facilitated guaranty provisioning

Patent metadata

Field	Value
Publication number	US-10157407-B2
Application number	US-201414167637-A
Country	US
Kind code	B2
Filing date	Jan 29, 2014
Priority date	Oct 29, 2013
Publication date	Dec 18, 2018
Grant date	Dec 18, 2018

Abstract

Disclosed herein are example embodiments for financier-facilitated guaranty provisioning. For certain example embodiments, at least one device, such as a server device of a financier: (i) may discover at least one authorization request corresponding to at least one product transaction; or (ii) may provide at least one proffered guaranty transaction to at least one guarantor. However, claimed subject matter is not limited to any particular described embodiments, implementations, examples, or so forth.

First claim

What is claimed is:

1. A method comprising:
electronically interacting with one or more guaranty market maker servers associated with a plurality of guarantors and implemented using one or more processors by at least one of making or accepting one or more calls to a guaranty-related application programming interface (API) including at least:
electronically obtaining at least one authorization request corresponding to at least one product transaction associated with at least one customer;
electronically accessing at least one electronic message transmitted in at least one data stream via at least one mobile device associated with the at least one customer;
electronically deriving from the at least one electronic message one or more indicia that corroborate that the at least one customer has intent to engage in at least one product transaction and one or more indicia that corroborate suitability for engaging in one or more proffered guaranty transactions;
electronically determining whether to proffer at least one guaranty transaction to at least one of the plurality of guarantors including at least correlating, via at least one machine learning system, (1) at least one transaction characteristic associated with the at least one product transaction to the one or more indicia that corroborate that the at least one customer has intent to engage in the at least one product transaction, and (2) at least one transaction characteristic associated with the at least one product transaction to the one or more indicia that corroborate suitability for engaging in the one or more proffered guaranty transactions;
electronically extracting from the at least one authorization request at least one potential guarantor from among the plurality of guarantors;
electronically formulating at least one electronic message associated with at least one transaction marketplace response at least indicative of whether to proffer at least one guaranty transaction; and
electronically providing the at least one proffered guaranty transaction at least to the electronically extracted at least one potential guarantor.

2. The method of claim 1 wherein the electronically obtaining at least one authorization request corresponding to at least one product transaction associated with at least one customer comprises:
electronically receiving at least one authorization request.

3. The method of claim 2 wherein the electronically receiving at least one authorization request comprises:
electronically receiving from at least one vendor.

4. The method of claim 2 wherein the electronically receiving at least one authorization request comprises:
electronically receiving from at least one payment authorization apparatus.

5. The method of claim 2 wherein the electronically receiving at least one authorization request comprises:
electronically receiving at least one authorization request via at least one network.

6. The method of claim 1 wherein the electronically obtaining at least one authorization request corresponding to at least one product transaction associated with at least one customer comprises:
electronically receiving at least one authorization request from at least one related company.

7. The method of claim 1 wherein the electronically obtaining at least one authorization request corresponding to at least one product transaction associated with at least one customer comprises:
electronically ascertaining at least one authorization request.

8. The method of claim 1 wherein the electronically obtaining at least one authorization request corresponding to at least one product transaction associated with at least one customer comprises:
electronically decoding at least one authorization request.

9. The method of claim 1 wherein the electronically obtaining at least one authorization request corresponding to at least one product transaction associated with at least one customer comprises:
electronically discovering at least one inquiry regarding approval for at least one customer.

10. The method of claim 1 wherein the electronically obtaining at least one authorization request corresponding to at least one product transaction associated with at least one customer comprises:
electronically discovering one or more messages of at least one authorization request.

11. The method of claim 10 wherein the electronically discovering one or more messages of at least one authorization request comprises:
electronically discovering at least one request for authorization to consummate at least one product transaction.

12. The method of claim 1 wherein the electronically obtaining at least one authorization request corresponding to at least one product transaction associated with at least one customer comprises:
electronically discovering at least one authorization request corresponding to at least one agreement to exchange at least one product for consideration.

13. The method of claim 1 wherein the electronically obtaining at least one authorization request corresponding to at least one product transaction associated with at least one customer comprises:
at least one of:
electronically discovering at least one authorization request that includes at least a reference to at least one transaction characteristic corresponding to at least one product transaction;
electronically discovering at least one guaranty indicator corresponding to at least one product transaction;
electronically discovering at least one guaranty indicator that is indicative that submission to at least one guaranty transaction marketplace is acceptable;
electronically discovering at least one guaranty indicator that is indicative of a potential guarantor for at least one product transaction;
electronically discovering at least one party identifier corresponding to at least one product transaction; or
electronically discovering at least one transaction location corresponding to at least one product transaction.

14. The method of claim 1 wherein the electronically providing the at least one proffered guaranty transaction at least to the electronically extracted at least one potential guarantor comprises:
electronically transmitting to at least one guarantor.

15. The method of claim 1 wherein the electronically providing the at least one proffered guaranty transaction at least to the electronically extracted at least one potential guarantor comprises:
electronically submitting to at least one guaranty transaction marketplace.

16. The method of claim 15 wherein the electronically submitting to at least one guaranty transaction marketplace comprises:
electronically transmitting to at least one guaranty market maker.

17. The method of claim 15 wherein the electronically submitting to at least one guaranty transaction marketplace comprises:
electronically calling at least one application programming interface (API).

18. The method of claim 1 wherein the electronically providing the at least one proffered guaranty transaction at least to the electronically extracted at least one potential guarantor comprises:
electronically making at least one proffered guaranty transaction accessible via at least one server device of a financier.

19. The method of claim 1 wherein the electronically providing the at least one proffered guaranty transaction at least to the electronically extracted at least one potential guarantor comprises:
electronically providing at least one proffered guaranty transaction to elicit at least one proffered guaranty.

20. The m

Assignees

• Elwha Llc A Ltd Liability Corporation Of The State Of Delaware
• Elwha Llc

Inventors

• Jung Edward K Y
• Lord Richard T
• Lord Robert W

Classifications

• G06Q30/0613 Primary

  using intermediate agents · CPC title

• H04L63/10

  for controlling access to devices or network resources · CPC title