# US 2014/0156521 A1 · Methods for discovering and paying debts owed by a group > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0156521 A1 - Document ID: US20140156521A1 - Status: Published application - Kind: A1 - Application number: 14/148,704 - Filed: 2014-01-06 - Published: 2014-06-05 - Earliest claimed: 2012-12-05 - Assignees: Google Inc. - Applicants: Google Inc. - Inventors: Narelle Cozens; Michael DePasquale; Travis Harrison Kroll Green; Boris Mizhen; Josh Ostrow; Avery Pennarun; Hoai Nguyen; Peter Schmitt - Web page: https://patentgrep.com/patent/US20140156521A1 ## CPC - G06Q 20/102: {Bill distribution or payments} - G06Q 10/42: Determination of affinities or common interests between users - G06Q 10/48: using social graphs - G06Q 20/223: {based on the use of peer-to-peer networks} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/384: {using social networks} - G06Q 20/386: {using messaging services or messaging apps (using mobile network messaging services for payment, e.g. SMS G06Q20/3255)} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06Q 20/405: {Establishing or using transaction specific rules} - 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 ## Abstract Ranking payment requests includes a peer-to-peer payment system that employs a server configured for receiving a payment request from a requester computing device; receiving location data of the requester network device; receiving a request for a ranking of payment requests; searching social network information of the payor for occurrences of the requester of the payment request; receiving location data of the payor network device, the location data comprising a location of the payor computing device and a location history of the payor computing device; searching a transaction history of the payor; ranking the payment requests based at least in part on one or more of the location of the requester, a strength of social network connections to the payor for each of the payment requesters, and number of previous transactions between the payor and the requester; and providing the ranking of the payment requests to the payor. ## Claims ### Claim at position 1 1-20. (canceled) ### Claim 21 A computer-implemented method to rank payment requests, comprising: receiving, using one or more computing devices, a plurality of payment requests from payment requesters, each payment request being received from a requester computing device associated with a particular one of the payment requesters, and each payment request comprising identification information for the particular one of the payment requesters, and indication of an amount for which the particular one of the payment requesters would like to be paid; associating, using the one or more computing devices, a payment request identifier with each of the plurality of payment requests; receiving, using the one or more computing devices, a message requesting a ranking of payment requests, the message being received from a payor computing device associated with a payor; searching, using the one or more computing devices, social network information of the payor for occurrences of the payment requesters to assess a strength of social network connections between the payor and each of the plurality of payment requesters; comparing , using the one or more computing devices, the location data of the payor computing device with the location data of each of the requester computing devices to determine whether the location of the payor computing device provided in the location data for the payor computing device matches the location for any of the requester computing devices providing in the location data for each of the requester computing devices; searching, using the one or more computing devices, a transaction history of the payor to identify a number of previous transactions between the payor and each of the plurality of payment requestors; generating , using the one or more computing devices, a ranked list of the payment requests by ranking the payment requests based at least in part on one or more of the, the strength of social network connections between the payor and each of the plurality of payment requesters, and the number of previous transactions between the payor and each of the plurality of payment requesters ; and providing, using the one or more computing devices, the ranked list of the payment requests to the payor computing device for display to the payor computing device. ### Claim 22 (depends on 21) The computer-implemented method of claim 21, further comprising: searching, using the one or more computing devices, for the identifier associated with the payment request; and promoting, using the one or more computing devices, a payment request to the top of the ranking of the payment requests based on the identifier of the payment request matching the search criteria. ### Claim 23 (depends on 21) The computer-implemented method of claim 21, wherein the location data of the payor computing device further comprises a location history of the payor computing device. ### Claim 24 (depends on 21) The computer-implemented method of claim 21, wherein the payment request identifier is randomly generated by the one or more computing devices. ### Claim 25 (depends on 21) The computer-implemented method of claim 21, further comprising: receiving, using the one or more computing devices, an input from the payor computing device that the payor conducted a transaction to satisfy one of the payment requests; and updating, using the one or more computing devices, the satisfied one of the payment requests based on the input. ### Claim 26 (depends on 25) The computer-implemented method of claim 25, further comprising conducting, using the one or more computing devices, the transaction with the payor computing device. ### Claim 27 (depends on 21) The computer-implemented method of claim 21, wherein the social network information comprises a social graph of the user. ### Claim 28 (depends on 21) The computer-implemented method of claim 21, wherein the social graph comprises information from at least one of a social network site and a contacts application. ### Claim 29 (depends on 25) The computer-implemented method of claim 25, wherein selection of a payment request from the ranked list via the payor computing device initiates a financial transaction between the payor computing device and the requester computing device associated with the selected payment request. ### Claim 30 A computer program product, comprising: a non-transitory computer-readable storage device having computer-executable program instructions embodied thereon that when executed by a computer rank payment requests, the computer-executable program instructions comprising: computer-executable program instructions to receive a plurality of payment requests each payment request being received from a requester computing device associated with a particular one of the payment requesters, and each payment request comprising identification information for the particular one of the payment requesters, and indication of an amount for which the particular one of the payment requesters would like to be paid; computer-executable program code to associate a payment request identifier with each of the plurality of payment requests; computer-executable program instructions to receive a message requesting a ranking of payment requests, the message being received from payor computing device associated with a payor ; computer-executable program instructions to search social network information of the payor for occurrences of the payment requesters to assess a strength of social network connection between the payor and each of the plurality of payment requesters; computer-executable program instructions to generate a ranked list of the payment requests by ranking the payment requests based at least in part on one or more of the strength of social network connections between the payor and each of the plurality of payment requesters, and the number of previous transactions between the payor and each of the plurality of payment requesters; and computer-executable program instructions to provide the ranked list of the payment requests to the payor computing device for display to the payor . ### Claim 31 (depends on 30) The computer program product of claim 30, the instructions further comprising: computer-executable program instructions to receive a payment request from a requester computing device; computer-executable program instructions to associate an identifier to the request; computer-executable program instructions to search for the identifier associated with the payment request; and computer-executable program instructions to promote a payment request to the top of the ranking of the payment requests based on the identifier of the payment request matching the search criteria. ### Claim 32 (depends on 31) The computer program product of claim 31, wherein the request identifier is randomly generated by the one or more computing devices. ### Claim 33 (depends on 30) The computer program product of claim 30, the instructions further comprising: computer-executable program instructions to search a transaction history of the payor for transactions related to the payment requests of the payment requestors; and computer-executable program instructions to rank the payment requests based at least in part on a number of previous transactions between the payor and the requester. ### Claim 34 (depends on 30) The computer program product of claim 30, the instructions further comprising: computer-executable program instructions to receive an input from the computing device of the payor that the payor conducted a transaction to satisfy the payment request; and computer-executable program instructions to update the payment request based on the input. ### Claim 35 (depends on 30) The computer program product of claim 30, wherein the social network information comprises a social graph of the user. ### Claim 36 (depends on 30) The computer program product of claim 30, wherein the social graph comprises information from at least one of a social network site and a contacts application. ### Claim 37 A system to rank payment requests, the system comprising: a storage device; a network device; and a processor communicatively coupled to the storage resource and the network module, wherein the processor executes application code instructions that are stored in the storage resource and that cause the system to: receive plurality of payment requests, each payment request being received from a requestor computing device associated with a particular one of the payment requesters, and each payment request comprising identification information of the particular one of the payment requests, and an indication of an amount for which the particular one of the payment requesters would like to be paid; associate a payment request identifier with each of the plurality payment requests; receive a message requesting a ranking of payment requests, the message being received from a payor computing device associated with a payor; search social network information of the payor for occurrences of the payment requesters to assess a strength of social network connection between the payor and each of the plurality of payment requests; search a transaction history of the payor to identify a number of previous transactions between the payor and each of the plurality of the payment requestors; generate a ranked list of the payment requests by ranking the payment requests based at least in part on one or more of the strength of social network connections between the payor and each of the plurality of payment requesters, and the number of previous transactions between the payor and each of the payment requesters; and provide the ranking of the payment requests to the payor for display on the payor computing device. ### Claim 38 (depends on 37) The system of claim 37, the instructions further comprising: searching for the identifier associated with the payment request; and promoting a payment request to the top of the ranking of the payment requests based on the identifier of the payment request matching the search criteria. ### Claim 39 (depends on 37) The system of claim 37, wherein the request identifier is randomly generated by the one or more computing devices. ### Claim 40 (depends on 37) The system of claim 37, the instructions further comprising: receiving an input from the computing device of the payor that the payor conducted a transaction to satisfy the payment request; and updating the payment request based on the input.