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 computer based method of reconciling a transaction using at least one processor and at least one memory, the method comprising:
determining, within a computer game, at least one object attribute based on physical location data associated with a first player whose physical location has been acquired by a location sensor;
determining transaction amounts of game points for a first account of the first player and a second account of a second player, the transaction amounts being determined based on a reconciliation matrix and the at least one object attribute based on the physical location data; and
causing reconciliation of a game transaction, when a criterion based on the physical location data of the first player is met within the computer game, among the first account and the second account in accordance with the determined transaction amounts, wherein the game transaction comprises a first transfer of at least a first amount of game points 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 a second transfer of at least a second amount of game points 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 method of claim 1 , wherein the first account and the second account are user accounts.
3. The method of claim 1 , wherein the first account and the second account are gaming accounts.
4. The method of claim 1 , wherein the reconciling comprises a transfer of points from the first account and a transfer of points from the second account.
5. The method of claim 1 , wherein the reconciling comprises a transfer of points to the first account and a transfer of points to the second account.
6. The method of claim 1 , wherein the points are a virtual currency.
7. The method of claim 1 , wherein the transaction comprises a payment for a service.
8. The method of claim 1 , wherein the at least one object attribute includes at least one of the following: a time, a price, a physical 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 method 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 credit card account, a bank account, a frequent flyer account, a virtual world account, a game account, and a subscription account.
10. The method of claim 1 , wherein the reconciliation matrix comprises reconciliation rules.
11. The method 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 method of claim 11 , wherein the recognition signature comprises attribute values related to the at least one object attribute.
13. The method of claim 1 , further comprising:
authenticating the transaction as a function of transaction attributes.
14. The method of claim 13 , wherein the transaction attributes include at least one of the following: a physical location, a time, a make, a model, a consumer ID, a device ID, a motion, a fingerprint, a signature, and a voice.
15. The method of claim 1 , wherein at least one of the first entity or the second entity includes at least one of the following: a user, a coupon provider, a vendor, a cell phone carrier, a bank, or a third party exchange.
16. The method of claim 1 , wherein the reconciliation rules operate as a function of a vector of attribute values.
17. The method of claim 16 , 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, or a voice.
18. The method of claim 1 , wherein the at least one object attribute includes physical location data.
19. 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 operations comprising:
determining, within a computer game, at least one object attribute based on physical location data associated with a first player whose physical location has been acquired by a location sensor;
determining transaction amounts of game points for a first account of the first player and a second account of a second player, the transaction amounts being determined based on a reconciliation matrix and the at least one object attribute based on the physical location data; and
causing reconciliation of a game transaction, when a criterion based on the physical location data of the first player is met within the computer game, among the first account and the second account in accordance with the determined transaction amounts, wherein the game transaction comprises a first transfer of at least a first amount of game points 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 a second transfer of at least a second amount of game points associated with the second account based on at least a portion of the transaction attributed to a second entity associated with the second account.
20. A reconciliation system, comprising:
at least one processor communicatively coupled with at least one memory storing instructions that, when executed by the at least one processor, cause the at least one processor to:
determine, within a computer game, at least one object attribute based on physical location data associated with a first player whose physical location has been acquired by a location sensor;
determine transaction amounts of game points for a first account of the first player and a second account of a second player, the transaction amounts being determined based on a reconciliation matrix and the at least one object attribute based on the physical location data; and
cause reconciliation of a game transaction, when a criterion based on the physical location data of the first player is met within the computer game, among the first account and the second account in accordance with the determined transaction amounts, wherein the game transaction comprises a first transfer of at least a first amount of game points 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 a second transfer of at least a second amount of game points associated with the second account based on at least a portion of the transaction attributed to a second entity associated with the second account.