Methods for an alternative payment platform

Patent metadata

Field	Value
Publication number	US-10424010-B2
Application number	US-201213444266-A
Country	US
Kind code	B2
Filing date	Apr 11, 2012
Priority date	Jul 28, 2006
Publication date	Sep 24, 2019
Grant date	Sep 24, 2019

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 of the alternate offers, receiving payment in exchange for presenting the accepted offer and providing payment to the offeror of the primary offer.

First claim

What is claimed is:

1. A method of electronic commerce wherein a user is engaged with a primary offer of a vendor that includes a purchase price, comprising:
presenting, from a host computing device at a facilitator to a mobile device over a computer network for display on a primary offer graphical user interface on a primary payment platform, the primary offer of the vendor;
presenting alternate payment offers, from the host computing device at the facilitator to the mobile device for display on an alternative offer graphical user interface, said alternative offer graphical user interface being presented to process fulfillment of the alternate payment offer on an alternate payment platform;
transitioning, from the host computing device, from the primary payment platform to the alternate payment platform over the computer network in response to a selection of any one of the alternate payment offers and causing the alternative offer graphical user interface to be displayed from the alternate payment platform on an electronic display of the mobile device, the said alternative offer graphical user interface interacting with the user as an indication to acquire the primary offer via the alternate payment platform through one of the alternate payment offers;
establishing, via a server on the alternate payment platform, a credit for the primary offer to be paid by the host computing device at the facilitator to the vendor, the credit including a fixed cost related to a retail cost of the primary offer and a variable portion determined when one of the alternate offers is fulfilled in response to a selection by the user on the alternative offer graphical user interface;
receiving, at the server, an indication of the user's fulfillment of one of the alternative offers; and
paying the credit from the host computing device at the facilitator to the vendor.

2. The method of claim 1 , wherein the credit for the primary offer is not disclosed to the user.

3. The method of claim 1 , wherein the credit is more than the purchase price.

4. The method of claim 1 , wherein the user's fulfillment entitles the user to receive the primary offering independent of the purchase price.

5. The method of claim 1 , wherein the presenting of alternate payment offers includes selecting one or more offers to present based at least in part on the credit.

6. The method of claim 1 , wherein the purchase price is not disclosed to a server-based payment facility prior to the server-based payment facility calculating the credit.

7. A computer-implemented method of electronic commerce, comprising:
presenting, from a server over a computer network to a mobile device of a user for display on a primary offer graphical user interface on a primary payment platform, an electronic commerce primary offering of a vendor;
receiving at the server a request to present one or more offers to the user on the mobile device on an alternative offer graphical user interface, said alternative offer graphical user interface being presented to process fulfillment of the alternate payment offer on an alternate payment platform;
transitioning, via the server, from the primary payment platform to the alternate payment platform over the network in response to a selection of the electronic commerce primary offering and causing the alternative offer graphical user interface to be displayed from the alternate payment platform on an electronic display of the mobile device, the said alternative offer graphical user interface interacting with the user as an indication to acquire the primary offer via the alternate payment platform through one of the alternate payment offers;
wherein the electronic commerce primary offering includes a purchase price and a vendor credit, wherein the vendor credit is not disclosed to the user on the alternative offer graphical user interface on the alternate payment platform, and wherein the vendor credit includes a fixed cost related to a retail cost of the primary offer and a variable portion determined when one of the offers is fulfilled;
receiving at the server a selection of one or more of the offers on the alternative offer graphical user interface that facilitate user acceptance from a memory accessible by the server;
presenting, to the mobile device for display on the alternative offer graphical user interface for the alternate payment platform, the one or more offers which were selected; and
paying the vendor credit to the vendor in fulfillment of the electronic commerce primary offering in response to the user acceptance of one of the one or more offers which were presented.

8. The method of claim 7 , wherein the user acceptance entitles the user to receive the primary offering independent of the purchase price and the vendor credit.

9. The method of claim 7 , wherein the vendor credit is independent of the purchase price.

10. The method of claim 7 , wherein the vendor credit is greater than the purchase price.

11. The method of claim 7 , wherein user acceptance of one of the one or more offers which were presented results in the user receiving the electronic commerce primary offering before a primary offeror of the primary offering receives the vendor credit.

12. The method of claim 7 , wherein the selecting one or more of the offers is based at least in part on the vendor credit and not on the purchase price.

13. The method of claim 7 , wherein committing to pay the vendor credit is performed by a server-based payment facility independent of the purchase price.

14. A system comprising a memory and a processor configured to provide:
an electronic commerce platform for receiving a request to present a plurality of offers to a mobile device over a computer network, having an alternative offer graphical user interface for an alternate payment platform for display, of a user to fulfill a primary offering of a vendor displayed on a primary offer graphical user interface that includes a purchase price and a vendor credit, wherein the vendor credit is not disclosed on the alternative offer graphical user interface to the user;
an offer selection facility response to user instructions for selecting one or more of the plurality of offers that facilitate user acceptance from a memory accessible by the offer selection facility;
an offer display facility for presenting the one or more of the plurality of offers on the graphical user interface of the electronic commerce platform for the alternate payment platform which were selected to the mobile device;
a secondary transaction facility for receiving a user acceptance of one of the one or more of the plurality of offers which were presented on the graphical user interface, wherein the secondary transaction facility transitions from the electronic commerce platform to the alternate payment platform over the computer network for processing the acceptance and causes the alternative offer graphical user interface to be displayed from the alternate payment platform on an electronic display of the mobile device, the said alternative offer graphical user interface interacting with the user as an indication to acquire the primary offer via the alternate payment platform through one of the plurality of offers; and
a payment module for processing a payment of the vendor credit to the vendor in fulfillment of the primary offering via the alternate payment platform in response to the user acceptance via interactions on the alternative offer graphical user interface, the vendor credit including a fixed cost related to a retail cost of the primary offer and a variable portion determined upon the user acceptance.

15.

Assignees

• Rampell Alastair
• Campbell Alexander E
• Angelos Terry
• Visa Int Service Ass

Inventors

• Rampell Alastair
• Campbell Alexander E
• Angelos Terry

Classifications

• G06Q20/14

  specially adapted for billing systems · CPC title

• G06Q50/188

  Electronic negotiation · CPC title

• G06Q30/0253

  During e-commerce, i.e. online transactions · CPC title

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title

• G06Q30/0267

  Wireless devices · CPC title