Subscription bill service, systems and methods
AssigneeNant Holdings IP, LLC
InventorPatrick Soon-Shiong
Life of this patent
Estimating the term…
Abstract
A number of sets of methods, systems, and apparatuses applicable to transactions are disclosed. One set includes transaction systems configured to reconcile a transaction among multiple provider accounts or user accounts via derived object attributes and reconciliation matrices. Another set includes methods of reconciling payment of a coupon. Another set includes transaction apparatuses configured to derive object attributes from digital representations to identify purchasable items. Still another set includes methods of mitigating risk of transaction fraud.
Claims26
A transaction system, comprising:
- an object recognition engine configured to recognize a real-world object and derive a first object attribute of the object;
- and
- a transaction reconciliation engine coupled with the object recognition engine and comprising a memory storing a reconciliation matrix, the transaction reconciliation engine configured to:
- associate the first object attribute with a first recognition signature;
- map the first recognition signature to a first account and a second account via the reconciliation matrix, wherein the first account and the second account are associated with entities that provide an item associated with the real-world object;
- and
- reconcile a transaction related to providing the item associated with the real-world object among the first account and the second account, wherein the reconciling comprises distributing at least a first portion of a payment to the first account based on a proportion of the transaction attributed to an entity associated with the first account and a second portion of the payment to the second account based on a proportion of the transaction attributed to an entity associated with the second account.
A method of initiating a transaction via a mobile device, comprising:
- obtaining, by the mobile device, a digital representation of a real-world object via a sensor of the mobile device;
- transmitting, by the mobile device, the digital representation to an object recognition engine configured to recognize the real world object and derive a first object attribute of the object;
- causing, by the mobile device, a transaction reconciliation engine to:
- associate the first object attribute with a first recognition signature;
- map the first recognition signature to a first account and a second account via a reconciliation matrix, wherein the first account and the second account are associated with entities that provide an item associated with the real-world object;
- and
- reconcile a transaction that is related to providing the item associated with the real-world object among the first account and the second account, wherein the reconciling comprises distributing at least a first portion of a payment to the first account based on a proportion of the transaction attributed to an entity associated with the first account and a second portion of the payment to the second account based on a proportion of the transaction attributed to an entity associated with the second account;
- and
- receiving, by the mobile device, a notification associated with the reconciled transaction.
Dependencies are inferred from the claim text.