Methods and systems for agnostic payment systems

Patent metadata

Field	Value
Publication number	US-2016379183-A1
Application number	US-201514985540-A
Country	US
Kind code	A1
Filing date	Dec 31, 2015
Priority date	Mar 15, 2013
Publication date	Dec 29, 2016
Grant date	—

Abstract

Computationally implemented methods and systems include potential transaction between a client and a vendor indicator acquiring module, vendor payment channel set including one or more of at least one vendor payment modality and at least one vendor payment option, at least partial acquiring module, and application of a client payment channel to at least one vendor payment channel of the acquired vendor payment channel set to facilitate the potential transaction module. In addition to the foregoing, other aspects are described in the claims, drawings, and text.

First claim

What is claimed is:

1 . A device, including a memory storing instructions, which when executed by a processor comprises:
a potential transaction between a client and a vendor indicator acquiring module; a vendor payment channel set including one or more of at least one vendor payment modality and at least one vendor payment option, at least partial acquiring module; and an application of a client payment channel to at least one vendor payment channel of the acquired vendor payment channel set to facilitate the potential transaction module.

2 . The device of claim 1 , wherein said potential transaction between a client and a vendor indicator acquiring module comprises:
an indicator of a client device interface interaction acquiring module.

3 . The device of claim 1 , wherein said potential transaction between a client and a vendor indicator acquiring module comprises:
a one or more parameters indicating the potential transaction between the client and the vendor indicator detecting module.

4 . The device of claim 3 , wherein said one or more parameters indicating the potential transaction between the client and the vendor indicator detecting module comprises:
a client activity indicating the potential transaction between the client and the vendor detecting module.

5 . The device of claim 1 , wherein said potential transaction between a client and a vendor indicator acquiring module comprises:
a potential transaction between the client and the vendor indicator acquiring from a vendor-approved third party module.

6 . The device of claim 1 , wherein said vendor payment channel set including one or more of at least one vendor payment modality and at least one vendor payment option, at least partial acquiring module comprises:
a particular vendor payment channel set including the one or more of at least one vendor payment modality at least partial acquiring module.

7 . The device of claim 1 , wherein said vendor payment channel set including one or more of at least one vendor payment modality and at least one vendor payment option, at least partial acquiring module comprises:
a vendor payment channel set including one or more vendor payment channels at least partial receiving module.

8 . The device of claim 7 , wherein said vendor payment channel set including one or more vendor payment channels at least partial receiving module comprises:
a vendor payment channel set including one or more vendor payment channels at least partial receiving from a payment channel distributor module.

9 . The device of claim 1 , wherein said vendor payment channel set including one or more of at least one vendor payment modality and at least one vendor payment option, at least partial acquiring module comprises:
a vendor payment channel set including one or more vendor payment channels at least partial generating module.

10 . The device of claim 9 , wherein said vendor payment channel set including one or more vendor payment channels at least partial generating module comprises:
a vendor payment channel set including one or more vendor payment channels generating data at least partially from acquired data regarding the vendor module.

11 . The device of claim 1 , wherein said application of a client payment channel to at least one vendor payment channel of the acquired vendor payment channel set to facilitate the potential transaction module comprises:
a client payment channel set at least partly based on one or more user device attributes generating module; and an application of a client payment channel taken from the client payment channel set to at least one vendor payment channel of the acquired vendor payment channel set to facilitate the potential transaction module.

12 . The device of claim 11 , wherein said client payment channel set at least partly based on one or more user device attributes generating module comprises:
a client payment channel set at least partly based on one or more user device attributes and at least partly based on vendor payment channel set generating module.

13 . The device of claim 11 , wherein said client payment channel set at least partly based on one or more user device attributes generating module comprises:
a client payment channel set at least partly based on one or more user device configurations generating module.

14 . The device of claim 11 , wherein said client payment channel set at least partly based on one or more user device attributes generating module comprises:
a one or more client payment channel preference designations retrieving module; and a client payment channel set generating at least partly based on the retrieved one or more client payment channel preference designations retrieving module.

15 . The device of claim 14 , wherein said one or more client payment channel preference designations retrieving module comprises:
a one or more client payment channel preference designations including one or more of at least one client payment modality preference designation and at least one client payment option preference designation retrieving module.

16 . The device of claim 14 , wherein said one or more client payment channel preference designations retrieving module comprises:
a one or more client payment channel ordered ranking designations retrieving module.

17 . The device of claim 16 , wherein said one or more client payment channel ordered ranking designations retrieving module comprises:
a one or more client payment modality ordered ranking and client payment option ordered ranking designations retrieving module.

18 . The device of claim 11 , wherein said client payment channel set at least partly based on one or more user device attributes generating module comprises:
a client payment channel set at least partly based on one or more user device attributes set by device manufacturer generating module.

19 . The device of claim 11 , wherein said client payment channel set at least partly based on one or more user device attributes generating module comprises:
a client payment channel set at least partly based on one or more user device attributes set by application generating module.

20 . The device of claim 11 , wherein said client payment channel set at least partly based on one or more user device attributes generating module comprises:
a client payment channel set at least partly based on one or more user device data processing capabilities module.

21 . The device of claim 11 , wherein said client payment channel set at least partly based on one or more user device attributes generating module comprises:
a client payment channel set at least partly based on one or more data access authorization capabilities module.

22 . The device of claim 21 , wherein said client payment channel set at least partly based on one or more data access authorization capabilities module comprises:
a client payment channel set at least partly based on data access to one or more proprietary vendor translation codes module.

23 . The device of claim 1 , wherein said application of a client payment channel to at least one vendor payment channel of the acquired vendor payment channel set to facilitate the potential transaction module comprises:
an application of a client payment channel present in the vendor payment channel set to at least one vendor payment channel of the acquired vendor payment channel set to facilitate the potential transact

Assignees

• Elwha Llc

Inventors

• Holman Pablos
• Hyde Roderick A
• Levien Royce A
• Lord Richard T
• Lord Robert W
• Malamud Mark A

Classifications

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/04 Primary

  Payment circuits · CPC title

• G06Q20/08 Primary

  Payment architectures · CPC title