Subscription bill service, systems and methods
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.
1. 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.
2. The system of claim 1 , further comprising a signature database communicatively coupled to the memory, and storing a plurality of recognition signatures.
3. The system of claim 1 , wherein the first object attribute comprises an absolute time.
4. The system of claim 1 , wherein the first object attribute comprises a relative time.
5. The system of claim 1 , wherein the first object attribute comprises a response time.
6. The system of claim 1 , wherein the first object attribute comprises a location.
7. The system of claim 1 , wherein the first object attribute comprises a relative position or orientation.
8. The system of claim 1 , wherein the transaction system comprises a subscription service.
9. The system of claim 1 , wherein the item includes a good.
10. The system of claim 1 , wherein the item includes a product.
11. The system of claim 1 , wherein the item includes a service.
12. The system of claim 11 , wherein the service comprises at least one of the following: a subscription, a utility, a reservation, and a game.
13. The system of claim 1 , wherein the item comprises a coupon associated with the real-world object.
14. The system of claim 13 , wherein the coupon comprises a virtual coupon.
15. The system of claim 1 , wherein the transaction includes reconciling a coupon among at least one of the following: a service provider account associated with the transaction and a user account.
16. The system of claim 1 , wherein the real-world object comprises an image of a good or service.
17. The system of claim 16 , wherein the image of the good or service includes at least one of the following: an image of printed media, an image of non-printed media, an image of an animated object, and an image of an inanimate object.
18. The system of claim 1 , wherein the derived first object attribute is derived from non-visible data.
19. The system of claim 18 , wherein the non-visible data comprises a digital representation of at least one of the following: a sound, a texture, a touch, a sensed emotion, a taste, and a smell.
20. The system of claim 1 , further comprising an engagement engine coupled with the recognition engine and the transaction engine, and configured to cause a computing device to take action as a function of the transaction.
21. The system of claim 20 , wherein the computing device includes at least one of the following: a mobile phone, a gaming device, a local or remote server, a general purpose computer, an appliance, an electronic device, and a set-top box.
22. The system of claim 1 , wherein the transaction requires no more than three physical interactions between an end user and a mobile device engaging the transaction system.
23. The system of claim 22 , wherein the transaction requires no more than two physical interactions.
24. The system of claim 23 , wherein the transaction occurs automatically based on a real-time automatic ambient collection of sensor data forming a digital representation of the real-world object without requiring the end user to initiate the transaction.
25. 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.
26. The method of claim 25 , further comprising the step of installing the transaction reconciliation engine in the mobile device.