# US 2023/0410168 A1 · Online marketplace with seller financing > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2023/0410168 A1 - Document ID: US20230410168A1 - Status: Published application - Kind: A1 - Application number: 18/331,233 - Filed: 2023-06-08 - Published: 2023-12-21 - Earliest claimed: 2014-07-18 - Inventors: Mark V. DZIUK - Web page: https://patentgrep.com/patent/US20230410168A1 ## CPC - G06Q 30/0609: {Qualifying participants for shopping transactions (payment transaction verification G06Q20/401)} - G06Q 30/0613: {using intermediate agents} - G06Q 30/0619: {Neutral agent} - G06Q 40/03: Credit; Loans; Processing thereof - 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 An online marketplace system generates an online marketplace for seller-financed transactions. The system includes a plurality of listings of transaction offerings that are available. The transaction offerings are listed by a plurality of users and are from a plurality of different categories of products and services. The transaction offerings include a plurality of transaction terms, including payment and seller-financing terms. A transaction engine facilitates the negotiation of transaction terms between users and the formation of agreement between users. Transaction coins are awarded during the successful performance of a transaction according to the agreed upon transaction terms. A reputation engine generates trust profiles and trust scores for users. The trust profiles and trust scores are used by parties to evaluate the trustworthiness of the other party. A user interface engine generates a user interface that includes listings from users and trust scores of those users. ## Claims ### Claim at position 1 1-47. (canceled) ### Claim 48 An online marketplace server comprising: a processor; and memory storing instructions that, when executed by the processor, cause the online marketplace server to: generate a trust profile for a user; receive, from an external computing system, a request to create a transaction offering including proposed transaction terms, the proposed transaction terms including prices and at least two payments over a period of time; receive, from the user, an offer for the transaction offering; provide the offer to an operator of the external computing system via an offer message having a link; transmit the trust profile for the user to the operator of the external computing system responsive to the operator of the external computing system following the link in the offer message, wherein the trust profile is transmitted separately from the offer message; and in response to receiving, from the operator of the external computing system or from the external computing system, an acceptance of the offer, create a payment plan between the user and the external computing system for the transaction offering. ### Claim 49 (depends on 48) The online marketplace server of claim 48, wherein the external computing system is an e-commerce website; and wherein communicating with the e-commerce website is performed via a web application programming interface. ### Claim 50 (depends on 48) The online marketplace server of claim 48, wherein the external computing system is a point-of-sale system of a store or a social media application. ### Claim 51 (depends on 48) The online marketplace server of claim 48, wherein the offer message is sent via e-mail or text. ### Claim 52 (depends on 48) The online marketplace server of claim 48, wherein the payment plan between the user and the external computing system for the transaction offering is defined based on the proposed transaction terms, and wherein the payment plan includes the at least two payments made over the period of time. ### Claim 53 (depends on 48) The online marketplace server of claim 48, wherein the acceptance of the offer is automatically sent by the external computing system in response to determining that a trust score of the trust profile is above a pre-defined minimum trust score. ### Claim 54 (depends on 48) The online marketplace server of claim 48, wherein receiving, from the user, the offer for the transaction offering comprises receiving counter transaction terms for the transaction offering; and wherein providing the offer to the operator of the external computing system via the offer message having the link comprises providing the counter transaction terms to the operator of the external computing system. ### Claim 55 (depends on 48) The online marketplace server of claim 48, wherein receiving, from the external computing system, the request to create the transaction offering is performed after the user selects a seller-financed payment option offered by the external computing system. ### Claim 56 (depends on 48) The online marketplace server of claim 48, wherein the instructions, when executed by the processor, cause the online marketplace server to provide the payment plan to the external computing system for order fulfillment. ### Claim 57 (depends on 48) The online marketplace server of claim 48, wherein the instructions, when executed by the processor, further cause the online marketplace server to send periodic updates to one or more of the external computing system or the operator of the external computing system about the payment plan. ### Claim 58 (depends on 48) The online marketplace server of claim 48, wherein the user is a plurality of users from a neighborhood, the plurality of users sending the offer for the transaction offering as a group. ### Claim 59 (depends on 48) The online marketplace server of claim 48, wherein the trust profile includes a trust score reflective of all seller-financed transactions entered by the user using the online marketplace server. ### Claim 60 (depends on 48) The online marketplace server of claim 48, wherein the instructions, when executed by the processor, further cause the online marketplace server to receive, from a lender computing system, an agreement to pay on behalf of the user; and wherein providing the offer to the operator of the external computer system comprises providing an indication of the agreement from the lender computer system to pay on behalf of the user. ### Claim 61 (depends on 48) The online marketplace server of claim 48, wherein the payment plan indicates that a virtual currency associated with the online marketplace server is to be used for the at least two payments over the period of time. ### Claim 62 (depends on 48) The online marketplace server of claim 48, wherein the offer for the transaction offering is input by the user into the external computing system; and wherein receiving, from the user, the offer for the transaction offering comprises receiving the offer from the external computing system. ### Claim 63 A system for facilitating seller-financed transactions, the system comprising: an online marketplace server; an external computing system; and a user computing device; wherein the online marketplace server is configured to: from the external computing system, receive, at an endpoint of an interface of the online marketplace server, a creation of a transaction offering that includes at least two proposed payments over a period of time; from the user computing device, receive an offer for the transaction offering; provide the offer to the external computing system via an offer message having a link; transmit a trust profile for a user of the user computing device to the external computing system responsive to a selection of the link in the offer message, wherein the trust profile is transmitted separately from the offer message; and in response to receiving, from the external computing system, an acceptance of the offer, create a payment plan between the user and the external computing system for the transaction offering. ### Claim 64 (depends on 63) The system of claim 63, wherein the external computing system is an e-commerce website or an e-commerce mobile application external to the online marketplace server. ### Claim 65 (depends on 63) The system of claim 63, wherein the interface of the online marketplace server is configured to receive a counteroffer for the transaction offering. ### Claim 66 (depends on 63) The system of claim 63, further comprising a plurality of user computing devices; wherein the offer for the transaction offering comprises a plurality of offers from the plurality of computing devices, the plurality of computing devices belonging to a neighborhood, and the plurality of computing devices submitting the plurality of offers to buy the transaction offering as a group. ### Claim 67 A method of facilitating seller-financed transactions, the method comprising: generating a trust profile for a user; receiving, from an external computing system, a request to create a transaction offering including proposed transaction terms, the proposed transaction terms including prices and at least two payments over a period of time; receiving, from the user, an offer for the transaction offering; providing the offer to an operator of the external computing system via an offer message having a link; transmitting the trust profile for the user to the operator of the external computing system responsive to the operator of the external computing system following the link in the offer message, wherein the trust profile is transmitted separately from the offer message; and in response to receiving, from the operator of the external computing system or from the computing system, an acceptance of the offer, create a payment plan between the user and the external computing system for the transaction offering.