Flexible advertiser billing system with mixed postpayment and prepayment capabilities
AssigneeGoogle Inc.
InventorsRoss Koningstein, Saksiri Tanphaichitr, Vikas Sukla, Michael Schulman, Giles Douglas, Emmett Andrew Cunningham
Life of this patent
Estimating the term…
Abstract
A computer-implemented method of providing advertising to a client includes establishing a billing experience between a client and a provider, providing advertising opportunities to the client on at least one of a continual basis and a periodic basis, evaluating a credit risk associated with the client at least one of periodically and upon occurrence of an event, and modifying the billing experience automatically based on the credit risk associated with the client.
Claims11
A computer-implemented method of providing advertising on behalf of a client, comprising:
- electronically establishing, using a computer, a billing interface for the client;
- electronically serving using a computer, a first set of advertisements on behalf of the client;
- electronically determining, using a computer, that an account balance of the client has reached a corresponding credit line, wherein the client is billed for the first set of advertisements under the billing interface;
- electronically evaluating, using a computer, a credit risk of the client based on the credit line being reached electronically modifying, using a computer, the billing interface based on the credit risk of the client;
- and electronically serving, using a computer, a second set of advertisements, wherein the client is billed for the second set of advertisements under the modified billing interface.
A system for providing advertising opportunities on behalf of a client, comprising:
- a risk evaluation server configured such that when an account balance of the client reaches a corresponding credit line, the risk evaluation server evaluates a risk of the client based on the account balance reaching the corresponding, credit line and on at least one of a performance of the product of the client, a transaction history of the client, or a credit performance of the client;
- a billing server configured to modify, based on the evaluated credit risk, a billing interface for the client to one of the following billing interfaces:
- a prepay billing interface;
- a partial prepay partial postpay billing interface;
- a threshold billing interface;
- or an end-of-term billing interface, wherein the billing server further bills the client at a time determined by the billing interface;
- and an advertisement supply server configured to serve advertisements on behalf of the client, wherein the biller is configured to bill the client, for serving, the advertisements under the modified billing interface.
Dependencies are inferred from the claim text.