WO2015056058A1 - Financement en réseau social - Google Patents

Financement en réseau social Download PDF

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Publication number
WO2015056058A1
WO2015056058A1 PCT/IB2014/000644 IB2014000644W WO2015056058A1 WO 2015056058 A1 WO2015056058 A1 WO 2015056058A1 IB 2014000644 W IB2014000644 W IB 2014000644W WO 2015056058 A1 WO2015056058 A1 WO 2015056058A1
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WO
WIPO (PCT)
Prior art keywords
user
financing
module
gift
beneficiary
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Application number
PCT/IB2014/000644
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English (en)
Inventor
Jurij Beklemisev
Original Assignee
Jurij Beklemisev Individuali Imone
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Publication date
Application filed by Jurij Beklemisev Individuali Imone filed Critical Jurij Beklemisev Individuali Imone
Publication of WO2015056058A1 publication Critical patent/WO2015056058A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the specification relates to financing using social networks.
  • Figure 1 is a block diagram illustrating an example system for social network financing.
  • Figure 2 is a block diagram illustrating an example financing module.
  • Figures 3A-3C are a flowchart of an example method of social network financing.
  • Figures 4A-4L are representations of an example user interface for social network financing.
  • some implementations described herein include a method or system of gift giving, which may have applications to creative professions as well as other entities.
  • the method to exchange gifts or electronic gifts may be implemented to emphasize spontaneously and impulsively.
  • the method may include providing a graphical button.
  • the graphical button may be an HTML button.
  • the graphical button is encoded using HTML-5.
  • the graphical button may be embedded in a social network (e.g., Facebook, Google+, Linkedln, Instagram, etc.), microblogging network (e.g., Twitter, etc.), email or messaging service (Gmail, Outlook, Snapchat, WhatsApp, BBM, etc.) or any other context which may be conducive to a spontaneous or impulsive gifting.
  • a social network e.g., Facebook, Google+, Linkedln, Instagram, etc.
  • microblogging network e.g., Twitter, etc.
  • email or messaging service Gmail, Outlook, Snapchat, WhatsApp, BBM, etc.
  • the graphical button may be used to provide an electronic gift (herein "e- gift").
  • the e-gift may be a transaction in which funds may be provided from one person to another person.
  • the transaction may be an electronic transaction.
  • the e-gift may be physical items including physical currency.
  • the e-gift may be an electronic gift or electronic currency.
  • the e-gift may be a crypto-currency (e.g., Bitcoin, etc.).
  • the e-gift or the process of providing the e-gift may be configured to provide anonymity to the one providing the gift or the recipient of the gift.
  • the method or system for providing e-gifts may include end-to-end encryption, crypto-currency or other cryptographic technology configured to ensure the anonymity of the gift giver and the recipient of the e-gift.
  • the graphical button may be configured to provide the gift giver with the ability to provide a message that indicates the occasion for the e-gift.
  • a user interface is displayed that includes a field that may be used by the gift giver to input a text description of the occasion.
  • the user interface may also be configured to enable the gift giver to create graphical content, audio content, video content or audio -video content that indicates the occasion.
  • the occasion may be indicated by a short (e.g., 5 to 60 seconds) audio-visual clip recorded by the gift giver.
  • the occasion may be indicated in other ways too.
  • the gift may be personalized for the recipient. This feature is beneficial, for example, because it makes the gift more personal and special for the recipient.
  • Figure 1 illustrates a block diagram of some implementations of a system 100 for social network financing.
  • the system 100 in some implementations enables a first user 102A to finance a second user 102B or vice versa.
  • the system 100 enables the first user 102A to select the second user 102B as a beneficiary of an e-gift.
  • the e-gift allows the first user 102A to finance the second user 102B using a form that avoids disparaging the second user 102B.
  • the illustrated system 100 includes user devices 104A and 104B (collectively, referred to as user device 104 or user devices 104) that can be accessed by the first user 102A and the second user 102B, respectively.
  • the first user 102A and the second user 102B are collectively referred to herein as the users 102.
  • the illustrated system 100 also includes a social network server 112, a host server 114, a finance server 116, and a search server 132.
  • these entities of the system 100 are communicatively coupled via a network 140.
  • a financing module performs social networking financing.
  • the financing module is represented in Figure 1 by multiple financing modules 110A-110E, but referred to generally herein as the financing module 110. Each of these entities are described in relationship to social network financing perform by the financing module 110.
  • the network 140 can be a conventional type, wired or wireless, and may have numerous different configurations including a star configuration, token ring configuration or other configurations. Furthermore, the network 140 may include a local area network (LAN), a wide area network (WAN) (e.g., the Internet), and/or other interconnected data paths across which multiple devices may communicate. In some implementations, the network 140 may be a peer-to-peer network. The network 140 may also be coupled to or includes portions of a telecommunications network for sending data in a variety of different communication protocols. In some implementations, the network 140 includes Bluetooth communication networks or a cellular communications network for sending and receiving data including via short messaging service (SMS), multimedia messaging service (MMS), hypertext transfer protocol (HTTP), direct data connection, WAP, email, etc.
  • SMS short messaging service
  • MMS multimedia messaging service
  • HTTP hypertext transfer protocol
  • the user devices 104 may be a computing device that include a processor
  • the user devices 104 may include a laptop computer, a desktop computer, a tablet computer, a mobile telephone, a personal digital assistant ("PDA"), a mobile email device, a portable game player, a portable music player, a television with one or more processors embedded therein or coupled thereto or other electronic device capable of accessing a network 140.
  • PDA personal digital assistant
  • the user devices 104 may include the financing module 110A and HOB.
  • the financing modules 110A and 110B or a portion thereof installed on the user devices 104 may be configured enable interaction with the users 102.
  • the financing modules 110A and HOB may be configured to provide a user interface that includes an action button to the users 102.
  • the action button may be selected by one of the users 102 to communicate a financing request.
  • action button may launch a locally installed application.
  • the action button may communicate the financing request via the network 140 to one or more of the servers.
  • the action button may launch a locally installed application and communicate the financing request to one or more of the servers.
  • the financing modules 11 OA and HOB may allow the users 102 to communicate user input in the system 100 and/or locally within the user device 104.
  • the user input may include one or more specifics relevant to the financing request.
  • the user input may include, but is not limited to, a selected beneficiary, a selected e-gift, an approval message, information pertaining to user accounts, and a selected user account.
  • the user input may be communicated to one or more of the servers (e.g., 112, 114, 116, and 126), the search server 132, another of the user devices 102, for example, of the system 100.
  • the financing modules 110A and HOB may be configured to present options from which one or more of the specifics relevant to the financing request may be selected and/or present other information relevant to the financing requests.
  • the financing modules 110A and HOB may present to the users 102 one or more e-gifts, one or more virtual venues, one or more e-gift decorations, a list of potential beneficiaries, a list of past financial transfers, and a preview of a message that may accompany financial transfer performed by the financing module 110.
  • the financing modules 110A and HOB may receive or access the options and/or the other information from one or more of the servers, another of the user devices 102, or the search server 132 via the network 140.
  • the search server 132 can be a hardware server that includes a processor, a memory, and network communication capabilities.
  • the search server 132 is coupled to the network 140 to send and receive data to and from other entities of the system 100 via the network 140.
  • the user devices 104 and one or more of the servers in the system 100 may be configured to access the search server 132 to find information relevant to the financing request.
  • the user devices 104 may access the search server 132.
  • the users 102 may search the search server 132 for a beneficiary of a financial request.
  • the host server 114 can be a hardware server that includes a processor, memory, and communication capabilities.
  • the host server 114 is coupled to the network 140 to send and receive data to and from one or more of the user devices 104, the social network server 112, the finance server 116, and the search server 132 via the network 140.
  • the host server 114 may be configured to host a website 126 that is accessible via the network 140. Specifically, in some implementations, the host server 114 allows access to the website 126 by the users 102 using the user devices 104. The users 104 may accordingly access and/or interface with the website 126 using the user devices 104.
  • the host server 114 includes the financing module HOD.
  • the financing module HOD on the host server 114 may provide a user interface to the users 102 accessing the website 126.
  • the financing module HOD may provide an action button that may be activated by a user 102 accessing the website 126. When activated, the action button may be configured to initiate a financing request.
  • the financing module HOD may further initiate communication of user input related to the financing request.
  • the financing module HOD may, for example, present options and/or other information relevant to the financing requests to the user 104. Additionally, the financing module HOD may receive user input relevant to the financing request.
  • the user input may be processed locally at the host server 114 or may be communicated to one or more of the other servers.
  • the financing module HOD may be configured to launch the financing module 110A or HOB locally stored on a user device 104.
  • User input may be received locally at the user device 104, which may then be communicated to the host server 114 or another server in the system 100.
  • the host server 114 may include website 126 specific to one of the users 104 or another entity that may be selected as a beneficiary.
  • the website 126 may include information or products the user 104 has created or otherwise supports.
  • the financing module HOD may be configured to provide a beneficiary-specific user interface.
  • the beneficiary-specific user interface may be configured to enable financial transfers to a beneficiary associated with the website 126.
  • the financial server 116 can be a hardware server that includes a processor, a memory and network communication capabilities. In the illustrated implementation, the financial server 116 is coupled to the network 140. The financial server 116 sends and receives data to and from one or more of the devices 104, the host server 114, the social network server 112, and the search server 132 via the network 140.
  • the financial server 116 includes the financing module HOC.
  • the financing module HOC may be configured to receive user account information.
  • the user account information is used to perform financial transfers in the system 100.
  • a financing request from the first user 102A to the second user 102B may involve transferring of a monetary amount associated with a e-gift from a user account of the first user 102A to a user account of the second user 102B.
  • the social network server 112 can be a hardware server that includes a processor, a memory and network communication capabilities. In the illustrated implementation, the social network server 112 is coupled to the network 140. The social network server 112 sends and receives data to and from one or more of the devices 104, the host server 114, the finance server 116, and the search server 132 via the network 140. The social network server 112 includes a social network application 130.
  • a social network can be a type of social structure in which the users 102 and multiple other users may be connected by a common feature. The common feature includes relationships/connections, e.g., friendship, family, work, an interest, and the like.
  • the common features may be provided by one or more social networking systems including explicitly defined relationships and relationships implied by social connections with other online users, where the relationships form a social graph.
  • the social graph can reflect a mapping of the users and how they can be related.
  • the social network server 112 and the social network application 130 can be representative of one social network and that there may be multiple social networks coupled to the network 140, each having its own server, application, and social graph. For example, a first social network may be more directed to business networking, a second may be more directed to or centered on academics, a third may be more directed to local business, a fourth may be directed to dating and others may be of general interest or a specific focus.
  • the social network includes a financing module
  • the financing module 110E may be included in the social network application 130 or may be add-on to the social network application 130, for instance.
  • the financing module 110E in the social network server 112 may provide a user interface to one or more of the users 102.
  • the user interface provides to the users 102 an action button configured to initiate a financing request.
  • the financing module 110E may then be configured to receive user input from the user 102 relevant to the financing request.
  • the financing module 110E may be configured to present options and/or other information relevant to the financing request.
  • the financing module 110E may be configured to launch the financing module 110A or HOB. After the financing modules 110A or HOB is launched, user input may be received by the financing modules 110A of 110B and/or communicated to one or more of the servers in the system
  • the social network includes a service that provides a feed describing one or more social activities specific to one of the users 102 or to another entity that may be selected as a beneficiary 104.
  • the feed provided by the social network may allow the user 102 to describe actions, upcoming events involving the user 102, expressed thoughts, expressed opinions, and the like.
  • the financing module 110E may be configured to provide a beneficiary-specific user interface.
  • the beneficiary- specific user interface may be configured to enable financial transfers to only the beneficiary associated with the feed.
  • the financing module 110 enables social network financing between users 102 in the system 100. More specifically, the financing module 110 enables initiation of a financing request through interactions between the users 102 and various entities in the system 100.
  • a first way in which a financing request may be initiated is via the financing module 110 on the user device 104.
  • the financing module 110 on the user device 104 may allow the user 102 to initiate a financing request at any time for any reason. For example, the user 102 may hear a song of an artist or hear a speech of a political leader and be inspired to initiate a financing request targeted to the artist or the political leader.
  • a second way in which a financing request may be initiated is via the financing module 110 in the host server 114.
  • the user 102 may be accessing information or otherwise viewing materials on the website 126.
  • the user 102 may view a user interface element such as the active button, which may initiate a financing request.
  • the user 102 may be listening to music on a website of a band.
  • the website may include the active button. If the user 102 enjoys the music, the user 102 may activate the action button to initiate a financing request.
  • a third way in which a financing request may be initiated is via the social network.
  • the user 102 may subscribe to a feed generated by user 102 or another entity.
  • the user may decide to support the user 102 or other entity generating the content and decide to initiate a financing request.
  • the first user 102A may using the first user device 104 A to interact via the social network hosted by the social network server 112.
  • the second user 102B may contribute to a feed that the first user 102A reads.
  • the financing module 110E may provide a user interface element such as an active button that allows the first user 102A to initiate a financing request.
  • the user 102 may be viewing posts of other users, which may motivate the user 102 to initiate a financing request.
  • the financing module 110 receives user input relevant to the financing request.
  • the user input directs the nature of the e-gift as well as the ultimate monetary transfer.
  • the user input that may be relevant to the financing request may include the identity of the beneficiary; a e-gift, which may also be representative of a monetary amount to be transferred; a message; user account information; or any combination thereof.
  • the financing module 110 may present to an initiating user 102 via the user device 104 one or more e-gifts, from which the user 102 may select.
  • the financing module 110 may access memory in the social network server 112 and/or the user device 104 on which the e-gifts may be stored and present images of the e-gifts to the first user 102A.
  • the financing module 110 may then receive user input including a selected e-gift.
  • Each of the e-gifts may have an associated monetary amount.
  • the e-gift may accordingly veil the underlying financial transaction of the associated monetary amount. For example, it may be disconcerting for a fledgling artist to get a check for three dollars from a stranger, but the fledgling artist may be more comfortable receiving a e-gift, that includes the transfer of the three dollars.
  • the associated monetary amount may represent a value of the e-gift.
  • Some examples of the e-gift may include but are not limited to a virtual drink, a virtual food, a virtual beer, virtual flowers, a virtual religious item, virtual jewelry, a virtual natural item, or a virtual historical item.
  • the initiating user 102 may select the e-gift through a user action such as clicking on an image of the e-gift using a mouse or selecting the e-gift using a touch screen on the user device 104.
  • the financing module 110 may determine whether the financing request originated at a beneficiary-specific user interface.
  • the financing request originated at the beneficiary-specific user interface such as a feed dedicated to one of the users 102 or another beneficiary
  • the financing module 110 may select a beneficiary associated with the beneficiary-specific user interface. For example, if the first user 102A activates an active button on a feed of the second user 102B in the social network, the financing module 110 may select the second user 102 as the beneficiary.
  • the financing module 110 may present to the first user a list of potential beneficiaries. For example, a particular post on which the user interface element is included may not be directly associated with a particular entity. Accordingly, the beneficiary may be unclear to the financing module 110. In these circumstances, the financing module 110 may present the list of potential beneficiaries to the first user 102.
  • the list may be populated by the financing module 110.
  • the list may include one or more beneficiaries to which the first user 102A previously transferred funds. Additionally or alternatively, the list may include beneficiaries to which users similar to the first user 102 A have previously transferred funds.
  • the financing module 110 may present a searching option to the first user 102A.
  • the first user 102 A may perform a search for the second user 102B.
  • the searching option may enable the first user 102A to access the search server 132.
  • the financing module 110 may then receive user input including a selected beneficiary from the first user 102A.
  • the beneficiary may include any entity.
  • the system may include any entity.
  • the 100 may include users 100 that may be beneficiaries.
  • the beneficiaries may include organizations, groups of entities, enterprises, governmental bodies, causes, charities, individuals, bands, fictional characters, etc.
  • the financing module 1 10 may generate a message based on the selected e- gift and/or additional user input such as personalization features.
  • the personalization feature may include a virtual venue.
  • the virtual venue may include an environment in which the selected e-gift is exchanged.
  • the virtual venue may include a bar or popular pub when the e-gift includes a virtual beer.
  • Some other examples of the virtual venue may include, but are not limited to, a bar, a stadium, a historical site, a natural feature, a religious site, a fictional location, a location featured in a movie, or a location described in a book.
  • the virtual venues may be presented to the first user 102A such that the first user 102A may select which of the virtual venues to include in the message.
  • the financing module 110 may organize the virtual venues according to one or more of a geographical location, a virtual venue type, and a e-gift type.
  • the user 102 may additionally search for virtual venues based on geographical location, a virtual venue type, and a e-gift type.
  • the personalization features may also include a e-gift decoration.
  • the e-gift decoration may include e-gift wrappings, virtual boxes, virtual bows, and the like.
  • the e-gift decoration may contribute to overall form of the e-gift. For example, rather than receiving a three-dollar donation, a beneficiary may receive e-gift with virtual wrapping that veils or represents the three-dollar gift.
  • the financing module 110 may generate a message to communicate to the beneficiary.
  • the message may include an image of the selected e-gift.
  • the selected e-gift may be decorated with the selected e-gift decoration and may be presented in the selected virtual venue.
  • the e-gift may include a virtual beer
  • the virtual decoration may include a gift box with a red bow
  • the virtual venue may be a pub in the Lithuania.
  • the message may include an image with the virtual beer, decorated with the gift box in a setting of the pub in Lithuania.
  • the message may also include a text message, an audio message, or a video message.
  • the text message, the audio message, an image, or the video message may be input to the financing module 110 via a microphone, camera, keyboard, etc. included on the user device 104.
  • the financing module 110 may then present a preview of the message to the user 102.
  • the financing module 110 may present the image on a display device included in the user device 104.
  • the user 102 may then provide additional user input to modify the message (e.g., select other personalization features).
  • the financing module 110 may then enable the user 102 to approve the message based on the preview.
  • the financing module 110 may then communicated the message to the selected beneficiary.
  • the message may be communicated to the user device 104 of the beneficiary.
  • the message may be posted in a social network, on the website 126, stored on a server for access by the beneficiary, or may be shared with other users such that users 104 can see a cumulative amount funds that have been transferred to a specific beneficiary or group of beneficiaries.
  • the financing module 110 may additionally manage user payment accounts
  • the user accounts may include banking accounts, accounts linked to a mobile phone account, PayPal ® accounts, or the like.
  • Information related to the user accounts may be communicated to the financing server 116, which may track and directly or indirectly transfer funds between user accounts.
  • the financing server 116 may communicate a message to a mobile phone company indicative of a charge; interact with one or more banks that manage the user accounts, etc.
  • the financing module 110 may receive information pertaining to one or more user accounts.
  • the financing module 110 may receive the information at the time of a financing request or may be receive the information in advance of the financing request.
  • the financing module 110 may present a list of user accounts particular to the user 102 and enable selection of one of the user accounts by the user 102.
  • the financing module 102 may communicate the selected user account to the financing server 116 such that the monetary amount associated with the e-gift can be debited from the selected user account.
  • the financing module 110 may then transfer to the selected beneficiary the monetary amount associated with the e-gift.
  • the financing module 110 may then record the transfer of funds as a past transfer, which may be presented to the user 102 and/or used to populate the list of potential beneficiaries in a future financing request.
  • the past transfers may additionally be publically shared. For example, the past transfers may be posted on the social network, used by advertisers, communicated to a social funding website, etc.
  • the financing module 110 can be code and routines for social network financing of an entity based on user interactions.
  • the financing module 110 acts in part as a thin-client application that may be stored on the user device 104 and in part as components that may be stored on one or more of the servers of the system 100.
  • the financing module 110 can be implemented using hardware including a field-programmable gate array ("FPGA") or an application-specific integrated circuit ("ASIC").
  • FPGA field-programmable gate array
  • ASIC application-specific integrated circuit
  • the financing module 110 can be implemented using a combination of hardware and software.
  • the financing module 110 may be stored in a combination of the devices and servers, or in one of the devices or servers.
  • memory e.g., the memory 106 and/or memory included in one or more of the servers
  • the memory may be included in storage that may be a dynamic random access memory (DRAM) device, a static random access memory (SRAM) device, flash memory or some other memory devices.
  • the storage also includes a non-volatile memory or similar permanent storage device and media including a hard disk drive, a floppy disk drive, a CD-ROM device, a DVD-ROM device, a DVD-RAM device, a DVD-RW device, a flash memory device, or some other mass storage device for storing information on a more permanent basis.
  • the storage stores user input and past transaction data described above with reference to the financing module 110.
  • Figure 1 illustrates a two user devices 104
  • the present disclosure applies to a system architecture having two or more user devices 104.
  • Figure 1 illustrates one network 140 coupled to the user devices 104, the social network server 112, the host server 114, the finance server 116, and the search server 132
  • one or more networks 140 can be connected to these entities.
  • Figure 1 includes one social network server 112, one host server 114, one finance server 116, and one search server 132.
  • the system 100 embodied in the depicted architecture may include one or more social network servers 112, one or more host servers 114, one or more finance servers 116, one or more search servers 132, or any combination thereof.
  • the separation of various components and servers in the implementations described herein should not be understood as requiring such separation in all implementations, and it should be understood that the described components and servers can generally be integrated together in a single component or server.
  • the operation of the financing module 110 contributes to the advantageous technical effect of: receiving a financing request; determining whether the financing request originated at a beneficiary-specific user interface when the financing request originated at the beneficiary-specific user interface, receiving user input including a selected e-gift and selecting a beneficiary associated with the beneficiary- specific user interface; when the financing request does not originate at the beneficiary- specific user interface, receiving user input relevant to the financing request, the user input including a selected beneficiary and a selected e-gift; and transferring to the selected beneficiary a monetary amount associated with the e-gift.
  • FIG. 2 is a block diagram of a computing device 200 that includes a financing module 110, a processor 242, a memory 248 and a communication unit 245 according to some examples.
  • the components of the computing device 200 are communicatively coupled by a bus 220.
  • the computing device 200 can be one of a social network server 112, a user device 104, a host server 114, and a financial server 116.
  • the processor 242 includes an arithmetic logic unit, a microprocessor, a general-purpose controller or some other processor array to perform computations and provide electronic display signals to a display device.
  • the processor 242 is coupled to the bus 220 for communication with the other components via signal line 236.
  • the processor 242 processes data signals and may include various computing architectures including a complex instruction set computer (CISC) architecture, a reduced instruction set computer (RISC) architecture, or an architecture implementing a combination of instruction sets.
  • CISC complex instruction set computer
  • RISC reduced instruction set computer
  • Figure 2 includes a single processor 242, multiple processors may be included.
  • Other processors, operating systems, sensors, displays and physical configurations may be possible.
  • the memory 248 stores instructions and/or data that may be executed by the processor 242.
  • the memory 248 is coupled to the bus 220 for communication with the other components via signal line 244.
  • the instructions and/or data may include code for performing the techniques described herein.
  • the memory 248 may be a dynamic random access memory (DRAM) device, a static random access memory (SRAM) device, flash memory or some other memory device.
  • DRAM dynamic random access memory
  • SRAM static random access memory
  • flash memory or some other memory device.
  • the memory 248 also includes a non-volatile memory or similar permanent storage device and media including a hard disk drive, a floppy disk drive, a CD-ROM device, a DVD-ROM device, a DVD-RAM device, a DVD-RW device, a flash memory device, or some other mass storage device for storing information on a more permanent basis.
  • a non-volatile memory or similar permanent storage device and media including a hard disk drive, a floppy disk drive, a CD-ROM device, a DVD-ROM device, a DVD-RAM device, a DVD-RW device, a flash memory device, or some other mass storage device for storing information on a more permanent basis.
  • the communication unit 245 transmits and receives data to and from at least one of the social network server 112, a user device 104, a host server 1 14, and a financial server 116 depending upon where the financing module may be stored.
  • the communication unit 245 is coupled to the bus 220 via signal line 246.
  • the communication unit 245 includes a port for direct physical connection to the network 140 or to another communication channel.
  • the communication unit 245 includes a USB, SD, CAT-5 or similar port for wired communication with the user device 104.
  • the communication unit 245 includes a wireless transceiver for exchanging data with the user device 104 or other communication channels using one or more wireless communication methods, including IEEE 802.11, IEEE 802.16, BLUETOOTH® or another suitable wireless communication method.
  • the communication unit 245 includes a cellular communications transceiver for sending and receiving data over a cellular communications network including via short messaging service (SMS), multimedia messaging service (MMS), hypertext transfer protocol (HTTP), direct data connection, WAP, e-mail or another suitable type of electronic communication.
  • SMS short messaging service
  • MMS multimedia messaging service
  • HTTP hypertext transfer protocol
  • the communication unit 245 includes a wired port and a wireless transceiver.
  • the communication unit 245 also provides other conventional connections to the network 140 for distribution of files and/or media objects using standard network protocols including TCP/IP, HTTP, HTTPS and SMTP, etc.
  • the financing module 110 includes a communication module 202, a user input module 204, a financing request module 206, a messaging module 208, a presenting module 210, a recording module 212, a user interface module 214, a transferring module 216, and a user account managing module 218. These components of the financing module 110 are communicatively coupled to each other via the bus 220.
  • the communication module 202 can be software including routines for handling communications between the financing module 110 and other components of the computing device 200.
  • the communication module 202 can be a set of instructions executable by the processor 242 to provide the functionality described below for handling communications between the financing module 110 and other components of the computing device 200.
  • the communication module 202 can be stored in the memory 248 of the computing device 200 and can be accessible and executable by the processor 242.
  • the communication module 202 may be adapted for cooperation and communication with the processor 242 and other components of the computing device 200 via signal line 222.
  • the communication module 202 sends and receives data, via the communication unit 245, to and from one or more of a user device 104, a social network server 112, a host server 114, a financial server 116, and a search server 132.
  • the communication module 202 cooperates with the user input module 204 and/or the financing request module 206 to receive, via the communication unit 245, user input data relevant to the financing request or a signal indicating the initiation of a financing request.
  • the communication module 202 receives graphical data for providing a user interface that displays options or other information relevant to a financing request to the interface module 214 and sends, via the communication unit 245, the graphical data to a user device 104, causing the user device 104 to present the user interface displaying the options and the other information to a user 102.
  • the communication module 202 receives, via the communication unit 245, a signal responsive to a user action indicating a user 102 wishes to initiate a financing request.
  • the signal may be communicated from a user device 104, a social network server 112, or a host server 114 via the communication unit 245.
  • the communication module 202 receives data generated in the financing module 110 and communicates the data to one or more of the user devices 104, the social network server 112, the host server 114, or the financing server 116 via the communication unit 245.
  • the messaging module may generate a message based on user input. The message may be communicated to a selected beneficiary via the communication unit 245.
  • the communication module 202 receives data from components of the financing module 110 and stores the data in the memory of one or more of the social network server 112, the host server 114, or financial server 116 or the memory 106 of the user devices 104.
  • the communication module 202 may receive a message generated by the messaging module 208 and communicate the message to the user device 104 for storage in the memory 106.
  • the user input module 214 can be software including routines for handling user interface and user interface elements presented to a user 102 at one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the user interface module 214 communicates with other components of the computing device 200 via a connection 234.
  • the user input module 214 provides a user interface element such as an active button to one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the user interface module 214 may configure the active button such that activation of the active button initiates a financing request.
  • activation of the active button can trigger a signal that is communicated to the financing module 110 via the communication unit 245 and/or the communication module 202.
  • the signal is received by the financing request module 206.
  • the user interface module 214 can include functionalities in the active button that embeds in the signal an indication of the source of the signal.
  • the signal may indication whether the signal originated at a beneficiary-specific source.
  • the financing request module 206 can be software including routines for receiving and processing financing requests, which are communicated to the financing request module 206 from one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the financing request module 206 may communicate with other components of the computing device 200 via a connection 226.
  • the financing request module 206 receives signals indicating an initiation of a financing request.
  • the financing request module 206 receives the financing request and determines an origin of the financing request. Specifically, the financing request module 206 determines whether the origin of the financing request is beneficiary-specific user interface or not.
  • the financing request module 206 communicates a signal to the user input module 204 indicating whether the origin of the financing request is beneficiary- specific user interface or not.
  • the user input module 204 can be software including routines for receiving and processing user input.
  • the user input is communicated to the user input module 204 from one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the user input module 204 communicates with other components of the computing device 200 via a connection 224.
  • the user input module 204 interfaces with the presenting module 210 via the bus 220 and a connection 230.
  • User input options and/or other information relevant to the financing request is communicated to one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the options for the e-gifts are presented to the user 102 by the presenting module 210 and the user input module 204 receives a signal indicating a selected e-gift.
  • the presenting module 210 presents the options for the personalization features and the user input module 204 receives a selected personalization features.
  • the presenting module 210 may present, for instance, the virtual venues organized according to one or more of a geographical location, a virtual venue type, and a e-gift type.
  • a user 102 may select from one or more initially presented virtual venues or search for additional virtual venues.
  • the user input module 204 When the user input module 204 receives a signal indicating that the origin of the financing request is a beneficiary-specific user interface, the user input module 204 selects the beneficiary associated the origin as a beneficiary. When the user input module 204 receives a signal indicating that the origin is not a beneficiary-specific user interface, the user input module 204 further interfaces with the presenting module 210 to present a list of potential beneficiaries to a user 102. In some implementations, the user input module 204 may populate the list from past transfers that recorded by the recording module 212. The user 102 selects from the list of beneficiaries. Additionally, the presenting module 210 may present to a user 102 a search engine interface.
  • the search engine interface may enable the user 102 to access a search server 132 via the communication module 202 and/or the communication unit 245 to find an intended beneficiary. Additionally or alternatively, the search engine interface may enable a user 102 to enter information identifying the beneficiary such as an email address, phone number, name, etc.
  • the user input module 204 further interfaces with an input device 250.
  • the input device 250 enables communication with the user input module 204 via a connection 252 and the bus 220.
  • the input device 250 generally includes a system configured to receive personalized input from a user 102 that may be included in a message (discussed below).
  • the input device 250 may include, for example, a keyboard, a microphone, a camera (still or movie), and the like.
  • a user 102 may input a text message, an audio message, or a video message via the input device 250. The text message, the audio message, or the video message is communicated to the user input module 204.
  • the user input module 204 can receive a selected e-gift, personalized input, a selected virtual venue, a selected virtual decoration, or some combination thereof.
  • the input module 204 communicates the selected e- gift, the selected virtual venue, the personalized message, the selected virtual decoration, or some combination thereof to the messaging module 208.
  • the messaging module 208 can be software including routines for generating and/or communicating messages.
  • the messages are generated in one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104. Additionally, the messages are communicated to one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the messaging module 208 communicates with other components of the computing device 200 via a connection 228. In some implementations, the messaging module 208 generates a message based on the selected e-gift.
  • the message may also include one or more of the selected virtual venue, the personalized message, the selected virtual decoration, or some combination thereof.
  • the message module 208 can generate an image of the e-gift, decorated by the selected virtual decoration, in the virtual venue.
  • the messaging module 208 communicates the message to the presenting module 210, which presents a preview of the message to a user 102.
  • the user input module 204 receives additional user input that includes an approval message from the user 102.
  • the messaging module 208 communicates the message to the selected beneficiary.
  • the messaging module 208 communicates the message to one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104 via the communication unit 245 and/or the communication module 202.
  • the user account managing module 218 can be software including routines for managing user account information.
  • the user account information is communicated to the financing module 110 as user input, which is received by the user input module 204.
  • the user account module 218 tracks and maintains the user account information for a particular user 102.
  • the user account managing module 218 communicates with other components of the computing device 200 via a connection 238.
  • the user account managing module 218 interfaces with the presenting module 210 to present to a user 102 user account information associated with the user 102.
  • a credit card account, a PayPal® account, and a mobile phone account may be associated with a user 102.
  • the presenting module 210 presents a list to the user 102 including the credit card account, the PayPal® account, and the mobile phone account. The user 102 may select one of the user accounts from which to draw the associated monetary amount.
  • the user input module 204 receives addition user input including a selected user account.
  • the user input module 204 then communicates a signal indicating which of the user accounts is the selected user account to the user account managing module 218.
  • the user account managing module 218 further communicates the signal indicating the selected user account to a transferring module 216.
  • a user 102 may select one of the user accounts as a preferred user account.
  • the user account managing module 218 may store which of the user accounts has been selected as a preferred user account.
  • the presenting module 210 may present to the user 102 a reminder indicating which of the user accounts is selected as the preferred user account.
  • the user account managing module 218 may not present any user account information to the user 102.
  • the user account managing module 218 may automatically communicate a signal indicating the preferred user account is the account from which the associated monetary amount will be debited.
  • the user account managing module 218 may perform one or more of the above actions after a financing request is received or during another suitable time. For example, the user account managing module 218 may enable the selection of a preferred user account between financing requests. Alternatively, account managing module 218 may enable the selection of a preferred user account when a user 102 initially interacts with the financing module 110. Moreover, in some implementations, the presentation of the user account information to the user 102 may occur before presentation of the e-gifts, between the presentation of the e-gifts and the personalization features, immediately following reception of the financing request, another suitable time, or may be omitted.
  • the transferring module 216 can be software including routines for transferring the monetary amount associated with the e-gift from a user 102 to a beneficiary.
  • the transferring module 216 may communicate with other components of the computing device 200 via a connection 240.
  • the transferring module 216 receives the selected user account and the selected beneficiary.
  • the transferring module 216 transfers the monetary amount associated with the selected e-gift from the selected user account to the selected beneficiary.
  • the transferring module 216 debits the monetary amount from the selected user account by communicating with the financial server 116, for instance, or through any other suitable financial transfer.
  • the recording module 212 can be software including routines for recording financial transfers.
  • the recording module 212 communicates with other components of the computing device 200 via a connection 240.
  • the recording module 212 communicates with one or more of the modules included in the financing module 110 to record past transfers. For example, after the transferring module 216 transfers the monetary amount to the beneficiary, the recording module 212 records the transfer as one of potentially multiple past transfers.
  • the recording module 212 communicates the past transfers to the presenting modules 210.
  • the presenting module 210 presents one or more of the past transfers to a user 102.
  • the recording module 212 may communicate the past transfers to one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the past transfers may be processed by processors included in one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the social network server 112 may publish some portion of the past transfers of a user 102.
  • the past transfers of a first user 102A may be combined and process the past transfers specific to a user 102 with past transfers of one or more other users.
  • One or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104 may accordingly publish or otherwise use aggregate past transfers such as total monetary amounts transferred by a group of users or total monetary amounts transferred to a beneficiary.
  • Figures 3A-3C are a flowchart of an example method 300 of social network financing, arranged in accordance with at least one embodiment described herein.
  • the method 300 may be performed in one or more the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the social network server 112, the host server 114, the financial server 116, or the user devices 104 may include or may be communicatively coupled to a non-transitory computer-readable medium having stored thereon programming code or instructions that are executable by a computing device (e.g., the computing device 200) to cause the computing device to perform the method 300.
  • the social network server 112, the host server 114, the financial server 116, or the user devices 104 may include the processor 242 described above that is configured to execute computer instructions to cause a computing system to perform the method 300. Although illustrated as discrete blocks, various blocks may be divided into additional blocks, combined into fewer blocks, or eliminated, depending on the desired implementation.
  • the method 300 may include providing 302 a user interface element including an action button.
  • the action button may be configured to communicate a financing request.
  • the user interface element may be provided to the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • a user may activate the active button to initiate a financing request.
  • the method 300 may include receiving 302 a financing request.
  • the financing request may be initiated by activation of the active button on one or more of the social network server 112, the host server 114, the financial server 116, and the user devices 104.
  • the method 300 may include determining whether the financing request originated at a beneficiary-specific user interface. When the financing request originated at a beneficiary-specific user interface, the method 300 proceeds to 308 of Figure 3A. When the financing request did not originate at a beneficiary-specific user interface, the method 300 proceeds to 312 of Figure 3A.
  • the method 300 may include receiving 308 user input including a selected e-gift.
  • the selected e-gift may include a virtual drink, a virtual food, a virtual beer, virtual flowers, a virtual religious item, virtual jewelry, a virtual natural item, or a virtual historical item.
  • the method 300 may include selecting 310 a beneficiary associated with the beneficiary-specific user interface. Following a selection 310 of the beneficiary, the method 300 proceeds to 316.
  • the method 300 may include presenting 308 a list of potential beneficiaries. Additionally, the method 300 may include receiving 314 user input including a selected beneficiary and a selected e-gift.
  • the method 300 may include generating 316 a message based on the selected e-gift.
  • the user input may also include a selected personalization feature.
  • the personalization feature may include a virtual venue including an environment in which the selected e-gift is exchanged.
  • the virtual venue may include a bar, a stadium, a historical site, a natural feature, a religious site, a fictional location, a location featured in a movie, or a location described in a book.
  • the virtual venue is organized with a plurality of virtual venues according to one or more of a geographical location, a virtual venue type, and a e-gift type.
  • the personalization feature may include a e-gift decoration.
  • the message includes an image of the selected e-gift decorated with the selected e-gift decoration in the selected virtual venue. Additionally or alternatively, the message may further include one or more of a text message, an audio message, and a video message.
  • the method 300 may include presenting 318 a preview of the message.
  • the preview may be communicated to a user device 104.
  • the method 300 may include receive 320 additional user input including an approval message.
  • a user 102 of the user device 104 may indicate that the preview of the message is acceptable.
  • the method 300 may include communicating 322 the message to the selected beneficiary.
  • the method 300 may include receiving 324 information pertaining to one or more user accounts.
  • the method 300 may include managing 326 user accounts.
  • Managing user accounts may include storing and accessing information of user accounts associated with a user 102.
  • the method 300 may include receiving 328 additional user input including a selected user account.
  • the method 300 may include transferring 330 to the selected beneficiary a monetary amount associated with the e-gift.
  • the method 300 may include debiting 332 the monetary amount from the selected user account.
  • the method 300 may include recording 334 the transfer as a past transfer.
  • the method may include presenting 336 a list of past transfers to a user.
  • the method may include populating 338 the list of potential beneficiaries using the past transfers.
  • Figures 4A-4L are representations of an example user interface 400 for social network financing.
  • the Figures 4A-4L are not necessarily in an order in which a method (e.g., the method 300) of social network financing may be performed. Instead, Figures 4A-4L represent examples of information that may be communicated to a user device (e.g., user device 104) during social network financing.
  • a user device e.g., user device 104
  • the user interface 400 is presented on a mobile device. This is not meant to be limiting as the user interface may be displayed on any suitable user device 104 as discussed herein.
  • Figure 4A depicts the user interface 400 when a list of potential beneficiaries is presented to a user.
  • the list of potential beneficiaries is included with a search engine interface.
  • Figure 4B depicts the user interface 400 when the beneficiary has been selected.
  • Figure 4B can depict the user interface 400 when a financing request originates at a beneficiary-specific user interface.
  • Figure 4C depicts the user interface 400 when options for a e-gift are presented to a user.
  • the monetary amounts are hidden to increase impulsiveness of the user.
  • the user can check the monetary amounts associated with the e-gifts. It is assumed that once monetary amounts are checked once or twice to be sure they accord to real items, the user may send gifts impulsively without needing to monetary amounts every time.
  • Figure 4D depicts the user interface 400 when past transfers are presented to a user.
  • various specifics of the past transfers are included such as the beneficiaries, the e-gifts and messages.
  • the beneficiary and user may see the past transactions.
  • Figure 4D may act as a shelf where the user put e-gifts for memories.
  • a particular past transaction may be viewed at in more detail on another screen similar to Figure 41.
  • Figure 4E depicts the user interface 400 when user account information is presented to a user.
  • Figure 4E includes preferences, which may be used to provide a user interface element, here a HTML-button.
  • Figure 4E a preferred user account indicated in icon including the text "Pay by Default By.”
  • Figure 4F depicts the user interface 400 when the user is adding personalized input in the form of a text message, a video message, or an audio message.
  • Figure 4G depicts the user interface 400 when a user is presented with virtual decorations options.
  • the e-gift includes a beer and a virtual decoration includes a bow.
  • Figure 4H depicts the user interface 400 when virtual venue options are presented to a user.
  • Figure 41 depicts the user interface when a preview of a message is presented to a user.
  • the message in Figure 41 includes an image of a e-gift, a virtual decoration, and a text message.
  • Figure 4J depicts the user interface 400 when a confirmation message is presented to a user.
  • Figure 4K depicts the user interface 400 when options of the e-gifts are communicated to a user.
  • Figure 4L depicts Figures 4A-4K in one or more series.
  • the present implementations of the specification can also relate to an apparatus for performing the operations herein.
  • This apparatus may be specially constructed for the required purposes, or it may include a general-purpose computer selectively activated or reconfigured by a computer program stored in the computer.
  • a computer program may be stored in a computer readable storage medium, including, but is not limited to, any type of disk including floppy disks, optical disks, CD-ROMs, and magnetic disks, read-only memories (ROMs), random access memories (RAMs), EPROMs, EEPROMs, magnetic or optical cards, flash memories including USB keys with non-volatile memory or any type of media suitable for storing electronic instructions, each coupled to a computer system bus.
  • the specification can take the form of some entirely hardware implementations, some entirely software implementations or some implementations containing both hardware and software elements.
  • the specification is implemented in software, which includes but is not limited to firmware, resident software, microcode, etc.
  • the description can take the form of a computer program product accessible from a computer-usable or computer-readable medium providing program code for use by or in connection with a computer or any instruction execution system.
  • a computer-usable or computer readable medium can be any apparatus that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device.
  • a data processing system suitable for storing and/or executing program code will include at least one processor coupled directly or indirectly to memory elements through a system bus.
  • the memory elements can include local memory employed during actual execution of the program code, bulk storage, and cache memories which provide temporary storage of at least some program code in order to reduce the number of times code must be retrieved from bulk storage during execution.
  • I/O devices including but not limited to keyboards, displays, pointing devices, etc.
  • I/O controllers can be coupled to the system either directly or through intervening I/O controllers.
  • Network adapters may also be coupled to the system to enable the data processing system to become coupled to other data processing systems or remote printers or storage devices through intervening private or public networks.
  • Modems, cable modem and Ethernet cards are just a few of the currently available types of network adapters.
  • modules, routines, features, attributes, methodologies and other aspects of the disclosure can be implemented as software, hardware, firmware or any combination of the three.
  • a component an example of which is a module, of the specification is implemented as software
  • the component can be implemented as a standalone program, as part of a larger program, as a plurality of separate programs, as a statically or dynamically linked library, as a kernel loadable module, as a device driver, and/or in every and any other way known now or in the future to those of ordinary skill in the art of computer programming.
  • the disclosure is in no way limited to implementation in any specific programming language, or for any specific operating system or environment. Accordingly, the disclosure is intended to be illustrative, but not limiting, of the scope of the specification, which is set forth in the following claims.

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Abstract

L'invention concerne un système comportant un processeur et une mémoire stockant des instructions qui, lorsqu'elles sont exécutées, amène le système : à recevoir une requête de financement; à déterminer si la requête de financement a pour origine une interface utilisateur spécifique des bénéficiaires; quand la requête de financement a pour origine l'interface utilisateur spécifique des bénéficiaires, recevoir l'entrée utilisateur comportant un cybercadeau sélectionné et sélectionner un bénéficiaire associé à l'interface utilisateur spécifique des bénéficiaires; quand la requête de financement n'a pas pour origine l'interface utilisateur spécifique des bénéficiaires, recevoir une entrée utilisateur appropriée pour la requête de financement, l'entrée utilisateur comportant un bénéficiaire sélectionné et un cybercadeau sélectionné; et transférer au bénéficiaire sélectionné un montant financier associé au cybercadeau.
PCT/IB2014/000644 2013-10-14 2014-03-05 Financement en réseau social WO2015056058A1 (fr)

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US11853985B2 (en) 2021-05-27 2023-12-26 The Toronto-Dominion Bank Systems and methods for configuring resource transfers
US12131302B2 (en) 2023-11-15 2024-10-29 The Toronto-Dominion Bank Systems and methods for configuring resource transfers

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US20090327121A1 (en) * 2008-06-27 2009-12-31 The Western Union Company Monetary gift registry methods and systems
US20110213675A1 (en) * 2008-08-20 2011-09-01 Morris Fritz Friedman System for making financial gifts
US20120245987A1 (en) * 2010-12-14 2012-09-27 Moneyhoney Llc System and method for processing gift cards via social networks

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US20090327121A1 (en) * 2008-06-27 2009-12-31 The Western Union Company Monetary gift registry methods and systems
US20110213675A1 (en) * 2008-08-20 2011-09-01 Morris Fritz Friedman System for making financial gifts
US20120245987A1 (en) * 2010-12-14 2012-09-27 Moneyhoney Llc System and method for processing gift cards via social networks

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11853985B2 (en) 2021-05-27 2023-12-26 The Toronto-Dominion Bank Systems and methods for configuring resource transfers
US12131302B2 (en) 2023-11-15 2024-10-29 The Toronto-Dominion Bank Systems and methods for configuring resource transfers

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