# US 8,751,388 B1 · System and method of delayed billing for on-demand products > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 8,751,388 B1 - Document ID: US8751388B1 - Status: Granted - Kind: B1 - Application number: 13/870,489 - Filed: 2013-04-25 - Granted: 2014-06-10 - Earliest claimed: 2013-03-15 - Assignees: Csidentity Corporation - Applicants: CSIdentity Corporation - Inventors: Isaac Chapa; Steven Hatley; Joe Ross - Web page: https://patentgrep.com/patent/US8751388B1 ## CPC - G06Q 30/04: Billing or invoicing - G06Q 30/06: Buying, selling or leasing transactions - 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 In one embodiment, a method includes receiving a binding request for an on-demand identity product from a consumer. The method also includes attempting to provide the on-demand identity product. The method further includes, responsive to the binding request, ascertaining delayed-billing settings that are applicable to the on-demand identity product. In addition, the method includes delaying billing of the on-demand identity product until it can be confirmed that the identity-product provision system has complied with the delayed-billing settings. ## Claims ### Claim 1 A method of delaying billing, the method comprising: receiving, via an on-demand product provision system, a binding request from a consumer, wherein the on-demand product provision system comprises at least one server computer, and wherein the binding request comprises a selection of an on-demand identity product; providing, by the on-demand product provision system, the on-demand identity product to the consumer prior to billing the consumer; automatically determining after providing the on-demand identity product, by the on-demand product provision system, delayed-billing settings applicable to the binding request based at least in part on the selection, wherein the delayed-billing settings comprise consumer-authentication criteria and delivery-verification criteria; after determining the delayed-billing settings, verifying, by the on-demand product provision system, an identity of the consumer based at least in part on personally identifying information of the consumer and the consumer-authentication criteria; after determining the delayed-billing settings, verifying, by the on-demand product provision system, delivery of the on-demand identity product based on one or more product-delivery factors; confirming, by the on-demand product provision system, that the consumer has been successfully authenticated and that the on-demand identity product was successfully delivered; and billing, by the on-demand product provision system, the consumer for the on-demand identity product based on the confirmation. ### Claim 2 (depends on 1) The method of claim 1, wherein the consumer authentication criteria require that at least a portion of the personally identifying information be verified as correct prior to billing. ### Claim 3 (depends on 1) The method of claim 1, wherein the consumer authentication criteria require that the consumer be authenticated as owner of a set of personally identifying information prior to billing. ### Claim 4 (depends on 1) The method of claim 1, wherein: the verifying of delivery comprises evaluating the one or more product-delivery factors. ### Claim 5 (depends on 1) The method of claim 1, wherein the one or more product-delivery factors are varied depending on whether the on-demand identity product is a credit product or a non-credit product. ### Claim 6 (depends on 1) The method of claim 1, wherein the on-demand identity product comprises a credit product. ### Claim 7 (depends on 6) The method of claim 6, wherein the one or more product-delivery factors require receipt of an acknowledgement from at least one credit bureau prior to billing. ### Claim 8 (depends on 1) The method of claim 1, wherein the on-demand identity product comprises a non-credit product. ### Claim 9 (depends on 8) The method of claim 8, wherein the one or more product-delivery factors require that the consumer be successfully added to receive a service prior to billing. ### Claim 10 (depends on 1) The method of claim 1, wherein the billing comprises authorizing a third party to charge the consumer. ### Claim 11 An on-demand product provision system comprising: at least one server computer, wherein the at least one server computer is operable to perform a method comprising: receiving a binding request from a consumer, wherein the binding request comprises a selection of an on-demand identity product; providing the on-demand identity product to the consumer prior to billing the consumer; automatically determining after providing the on-demand identity product delayed-billing settings applicable to the binding request based at least in part on the selection, wherein the delayed-billing settings comprise consumer-authentication criteria and delivery-verification criteria; after determining the delayed-billing settings, verifying an identity of the consumer based at least in part on personally identifying information of the consumer and the consumer-authentication criteria; after determining the delayed-billing settings, verifying delivery of the on-demand identity product based on one or more product-delivery factors; confirming that the consumer has been successfully authenticated and that the on-demand identity product was successfully delivered; and billing the consumer for the on-demand identity product based on the confirmation. ### Claim 12 (depends on 11) The identity-product provision system of claim 11, wherein: the verifying of delivery comprises evaluating the one or more product-delivery factors. ### Claim 13 (depends on 11) The identity-product provision system of claim 11, wherein the one or more product-delivery factors are varied depending on whether the on-demand identity product is a credit product or a non-credit product. ### Claim 14 A computer-program product comprising a non-transitory computer-usable medium having computer-readable program code embodied therein, the computer-readable program code adapted to be executed to implement a method comprising: receiving a binding request from a consumer, wherein the binding request comprises a selection of an on-demand identity product; providing the on-demand identity product to the consumer prior to billing the consumer; automatically determining after providing the on-demand identity product delayed-billing settings applicable to the binding request based at least in part on the selection, wherein the delayed-billing settings comprise consumer-authentication criteria and delivery-verification criteria; after determining the delayed-billing settings, verifying an identity of the consumer based at least in part on personally identifying information of the consumer and the consumer-authentication criteria; after determining the delayed-billing settings, verifying delivery of the on-demand identity product based on one or more product-delivery factors; confirming that the consumer has been successfully authenticated and that the on-demand identity product was successfully delivered; and billing the consumer for the on-demand identity product based on the confirmation.