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. Sill another set includes methods of mitigating risk of transaction fraud.
1. A mobile reconciliation device, comprising:
an object recognition engine configured to derive at least one object attribute associated with a real-world object based on image data of the real-world object; and
a transaction reconciliation engine coupled with the object recognition engine and comprising a memory storing reconciliation rules, the transaction reconciliation engine configured to:
provide data regarding a mapping, via the reconciliation rules as a function of the at least one object attribute, to a first account and a second account related to the real-world object; and
cause reconciliation of a transaction related to the real-world object among the first account and the second account, wherein the reconciling comprises a transfer of at least a first amount of a payment associated with the first account based on at least a portion of the transaction attributed to a first entity associated with the first account and at least a second amount associated with the second account based on at least a portion of the transaction attributed to a second entity associated with the second account.
2. The device of claim 1 , wherein the real-world object comprises a printed media object.
3. The device of claim 2 , wherein the printed media object comprises at least one of the following: a magazine, a newspaper, and a coupon.
4. The device of claim 1 , wherein the transaction comprises a payment for a service.
5. The device of claim 1 , wherein the reconciling further comprises issuing a check for at least one of the first amount and the second amount.
6. The device of claim 1 , wherein the reconciling further comprises crediting at least one of the first account and the second account.
7. The device of claim 1 , wherein the reconciling further comprises debiting at least one of the first account and the second account.
8. The device of claim 1 , wherein the at least one object attribute includes at least one of the following: a time, a price, a location, a position, an orientation, a color, a size, a quantity, a quality, a shape, an availability, a make, a model, a cost, a message, metadata, a logo, an account number, a biometric, an image, and audio data.
9. The device of claim 1 , wherein at least one of the first and the second account comprises one of the following types of accounts: a provider account, a user account, a loyally account, a credit card account, a bank account, a frequent flyer account, a virtual world account, a game account, and a subscription account.
10. The device of claim 1 , wherein the reconciliation rules comprise a reconciliation matrix.
11. The device of claim 10 , wherein the reconciliation matrix comprises a mapping of the at least one object attribute, based on a recognition signature, to at least the first account and the second account.
12. The device of claim 11 , wherein the recognition signature comprises attribute values related to the at least one object attribute.
13. The device of claim 1 , wherein the transaction reconciliation engine is further configured to authenticate the transaction as a function of transaction attributes.
14. The device of claim 13 , wherein the transaction attributes include at least one of the following: a location, a time, a make, a model, a consumer ID, a device ID, a motion, a fingerprint, a signature, and a voice.
15. The device of claim 1 , further comprising a cell phone that includes the recognition engine.
16. The device of claim 1 , further comprising a cell phone that includes the transaction reconciliation engine.
17. The device of claim 1 , wherein the entity includes at least one of the following: a user, a coupon provider, a vendor, a cell phone carrier, a bank, and a third party exchange.
18. The device of claim 1 , wherein the reconciliation rules operate as a function of a vector of attribute values.
19. The device of claim 18 , wherein the vector of attributes values includes values for at least one of the following: an account holder identity, an image, a name, an age, an identification number, a bar code, a QR code, a location, an authorization, a motion, a finger print, a signature, and a voice.
20. The device of claim 1 , wherein the reconciliation comprises a medical payment for a medical procedure, and wherein at least one of the first entity and the second entity are healthcare providers.
21. A method comprising:
deriving, by an object recognition engine, at least one object attribute associated with a real-world object based on image data of the real-world object;
providing, by a transaction reconciliation engine, data regarding a mapping, via reconciliation rules as a function of the at least one object attribute, to a first account and a second account related to the real-world object; and
causing, by the transaction reconciliation engine, reconciliation of a transaction related to the real-world object among the first account and the second account, wherein the reconciling comprises a transfer of at least a first amount of a payment associated with the first account based on at least a portion of the transaction attributed to a first entity associated with the first account and at least a second amount associated with the second account based on at least a portion of the transaction attributed to a second entity associated with the second account.
22. A non-transitory computer-readable medium having computer instructions stored thereon, which, when executed by a processor, cause the processor to perform one or more steps comprising:
deriving at least one object attribute associated with a real-world object based on image data of the real-world object;
providing data regarding a mapping, via reconciliation rules as a function of the at least one object attribute, to a first account and a second account related to the real-world object; and
causing reconciliation of a transaction related to the real-world object among the first account and the second account, wherein the reconciling comprises a transfer of at least a first amount of a payment associated with the first account based on at least a portion of the transaction attributed to a first entity associated with the first account and at least a second amount associated with the second account based on at least a portion of the transaction attributed to a second entity associated with the second account.