# US 8,788,369 B2 · Method and apparatus for providing asynchronous payment processing > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 8,788,369 B2 - Document ID: US8788369B2 - Status: Granted - Kind: B2 - Application number: 13/072,414 - Filed: 2011-03-25 - Published: 2012-08-30 - Granted: 2014-07-22 - Earliest claimed: 2011-02-25 - Assignees: Nokia Corporation - Applicants: Sami Mikael Puura; Jarmo Juhani Taipale - Inventors: Sami Mikael Puura; Jarmo Juhani Taipale - Web page: https://patentgrep.com/patent/US8788369B2 ## CPC - G06Q 20/321: {using wearable devices} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 10/0831: Overseas transactions - G06Q 20/306: {using TV related infrastructures (external card used for payment with client device H04N21/4185)} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - G06Q 30/06: Buying, selling or leasing transactions - G06Q 30/0637: {requiring approval before final submission, e.g. parental approval} - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 10/083: Shipping - G06Q 10/087: Inventory or stock management, e.g. order filling, procurement or balancing against orders - G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] - 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 approach is provided for processing transaction payments. The transaction engine receives payment information, from a device, for completing a transaction between a first party and a second party, wherein the payment information is for requesting, at least in part, a payment approval from at least one payment service provider. Next, the transaction engine determines historical transaction data associated with one or more previous transactions between the first party and the second party. Then, the transaction engine processes and/or facilitates a processing of the historical transaction data to determine whether to initiate a delivery of at least one item associated with the transaction prior to receiving a confirmation of the payment approval from the at least one payment service provider. ## Claims ### Claim 1 A method comprising facilitating a processing of and/or processing (1) data and/or (2) information and/or (3) at least one signal, the (1) data and/or (2) information and/or (3) at least one signal based, at least in part, on the following: receiving, by a processor, payment information, from a device, for completing a transaction between a first party and a second party, wherein the payment information is for requesting, at least in part, a payment approval from at least one payment service provider; at least one determination, by the processor, of historical transaction data associated with one or more previous transactions between the first party and the second party; a processing of the historical transaction data to determine whether to initiate a delivery of at least one item associated with the transaction prior to receiving a confirmation of the payment approval from the at least one payment service provider; and at least one determination, by the processor, of context information indicating a location of the device, wherein the determination to initiate the delivery of the at least one item prior to receiving the confirmation of the payment approval is based, at least in part, on the context information. ### Claim 2 (depends on 1) A method of claim 1, wherein the (1) data and/or (2) information and/or (3) at least one signal are further based, at least in part, on the following: at least one determination that there is negative payment information in the historical transaction data; and at least one determination to hold the delivery of the at least one item until the confirmation of the payment approval is received from the at least one payment service provider. ### Claim 3 (depends on 2) A method of claim 2, wherein the negative payment information includes, at least in part, a failed status of one or more previous payment approval requests, a waiting status of the one or more previous payment approval requests, or a combination thereof. ### Claim 4 (depends on 2) A method of claim 2, wherein the (1) data and/or (2) information and/or (3) at least one signal are further based, at least in part, on the following: at least one determination of an age of the negative payment information, wherein the determination to hold the delivery of the at least one item is further, based, at least in part, on the age. ### Claim 5 (depends on 1) A method of claim 1, wherein the (1) data and/or (2) information and/or (3) at least one signal are further based, at least in part, on the following: at least one determination that there is no historical transaction data between the first party and the second party; and at least one initiation of the delivery of the at least one item prior to receiving the confirmation of the payment approval. ### Claim 6 (depends on 1) A method of claim 1, wherein the (1) data and/or (2) information and/or (3) at least one signal are further based, at least in part, on the following: at least one determination to present one or more advertisements, one or more recommendations, related information, or a combination thereof pending the determination of whether to initiate the delivery of the at least one item, the receiving of the confirmation of the payment approval, or a combination thereof. ### Claim 7 (depends on 1) A method of claim 1, wherein the (1) data and/or (2) information and/or (3) at least one signal are further based, at least in part, on the following: at least one determination of a time duration associated with the determination of whether to initiate the delivery of the at least one item, the receiving of the confirmation of the payment approval, or a combination thereof; at least one determination that the time duration exceeds a predetermined threshold; and at least one modification of the transaction, one or more subsequent transactions, or a combination thereof to include discount information, one or more payment credits, or a combination thereof in profile information associated with the first party, the second party, or a combination thereof. ### Claim 8 (depends on 1) A method of claim 1, wherein the (1) data and/or (2) information and/or (3) at least one signal are further based, at least in part, on the following: a processing of the payment information to determine one or more payment types, wherein the determination to initiate the delivery of the at least one item prior to receiving the confirmation of the payment approval is based, at least in part, on the one or more payment types, one or more characteristics associated with the one or more payment types, or a combination thereof. ### Claim 9 (depends on 8) A method of claim 8, wherein the one or more characteristics associated with the payment types include, at least in part, an approval processing speed, a rate of fraud, or a combination thereof. ### Claim 10 (depends on 1) A method of claim 1, wherein the (1) data and/or (2) information and/or (3) at least one signal are further based, at least in part, on the following: a processing, by the processor, of the context information to determine a country for the device, wherein the determination to initiate the delivery of the at least one item prior to receiving the confirmation of the payment approval is based, at least in part, on the country. ### Claim 11 An apparatus comprising: at least one processor; and at least one memory including computer program code for one or more programs, the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to perform at least the following, receive payment information, from a device, for completing a transaction between a first party and a second party, wherein the payment information is for requesting, at least in part, a payment approval from at least one payment service provider; determine historical transaction data associated with one or more previous transactions between the first party and the second party; and process and/or facilitate a processing of the historical transaction data to determine whether to initiate a delivery of at least one item associated with the transaction prior to receiving a confirmation of the payment approval from the at least one payment service provider; and determine context information indicating a location of the device, wherein the determination to initiate the delivery of the at least one item prior to receiving the confirmation of the payment approval is based, at least in part, on the context information. ### Claim 12 (depends on 11) An apparatus of claim 11, wherein the apparatus is further caused to: determine that there is negative payment information in the historical transaction data; and determine to hold the delivery of the at least one item until the confirmation of the payment approval is received from the at least one payment service provider. ### Claim 13 (depends on 12) An apparatus of claim 12, wherein the negative payment information includes, at least in part, a failed status of one or more previous payment approval requests, a waiting status of the one or more previous payment approval requests, or a combination thereof. ### Claim 14 (depends on 12) An apparatus of claim 12, wherein the apparatus is further caused to: determine an age of the negative payment information, wherein the determination to hold the delivery of the at least one item is further, based, at least in part, on the age. ### Claim 15 (depends on 11) An apparatus of claim 11, wherein the apparatus is further caused to: determine that there is no historical transaction data between the first party and the second party; and cause, at least in part, initiation of the delivery of the at least one item prior to receiving the confirmation of the payment approval. ### Claim 16 (depends on 11) An apparatus of claim 11, wherein the apparatus is further caused to: determine to present one or more advertisements, one or more recommendations, related information, or a combination thereof pending the determination of whether to initiate the delivery of the at least one item, the receiving of the confirmation of the payment approval, or a combination thereof. ### Claim 17 (depends on 11) An apparatus of claim 11, wherein the apparatus is further caused to: determine a time duration associated with the determination of whether to initiate the delivery of the at least one item, the receiving of the confirmation of the payment approval, or a combination thereof; determine that the time duration exceeds a predetermined threshold; and cause, at least in part, modification of the transaction, one or more subsequent transactions, or a combination thereof to include discount information, one or more payment credits, or a combination thereof in profile information associated with the first party, the second party, or a combination thereof. ### Claim 18 (depends on 11) An apparatus of claim 11, wherein the apparatus is further caused to: process and/or facilitate a processing of the payment information to determine one or more payment types, wherein the determination to initiate the delivery of the at least one item prior to receiving the confirmation of the payment approval is based, at least in part, on the one or more payment types, one or more characteristics associated with the one or more payment types, or a combination thereof. ### Claim 19 (depends on 18) An apparatus of claim 18, wherein the one or more characteristics associated with the payment types include, at least in part, an approval processing speed, a rate of fraud, or a combination thereof. ### Claim 20 (depends on 11) An apparatus of claim 11, wherein the apparatus is further caused to: process and/or facilitate a processing of the context information to determine a country for the device, wherein the determination to initiate the delivery of the at least one item prior to receiving the confirmation of the payment approval is based, at least in part, on the country.