Granted Patent B2

US 8,788,369 · App. 13/072,414 · Granted Jul 22, 2014

Abstract

Claims (57)

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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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.

10. 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.

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.

12. 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.

13. 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.

14. 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.

15. 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.

16. 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.

17. 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.

18. 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.

19. 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.

20. 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.

Assignments (9)