WO2016011371A1 - Online marketplace with seller financing - Google Patents

Online marketplace with seller financing Download PDF

Info

Publication number
WO2016011371A1
WO2016011371A1 PCT/US2015/040938 US2015040938W WO2016011371A1 WO 2016011371 A1 WO2016011371 A1 WO 2016011371A1 US 2015040938 W US2015040938 W US 2015040938W WO 2016011371 A1 WO2016011371 A1 WO 2016011371A1
Authority
WO
WIPO (PCT)
Prior art keywords
seller
users
transaction
user
buyer
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/US2015/040938
Other languages
English (en)
French (fr)
Inventor
Mark V. DZIUK
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to JP2017523193A priority Critical patent/JP6776231B2/ja
Priority to BR112017001111A priority patent/BR112017001111A2/pt
Priority to US15/326,918 priority patent/US10387950B2/en
Priority to CA2955660A priority patent/CA2955660C/en
Priority to EP22187829.1A priority patent/EP4141777A1/en
Priority to EP15821425.4A priority patent/EP3189489A4/en
Application filed by Individual filed Critical Individual
Publication of WO2016011371A1 publication Critical patent/WO2016011371A1/en
Anticipated expiration legal-status Critical
Priority to US16/503,171 priority patent/US11055773B2/en
Priority to US17/335,935 priority patent/US11704710B2/en
Priority to US18/331,233 priority patent/US12254499B2/en
Priority to US19/032,022 priority patent/US20250265625A1/en
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Qualifying participants for shopping transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Electronic shopping [e-shopping] using intermediate agents
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Electronic shopping [e-shopping] using intermediate agents
    • G06Q30/0619—Neutral agent
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • Yet another aspect is a method of facilitating online transactions involving seller financing in an online marketplace, the method comprising: receiving
  • the online marketplace comprising: a transaction engine configured to receive a transaction offering from an external location and to interact with a buyer user and seller user to define payment terms for the transaction offering, wherein the payment terms include prices and seller- financing terms including at least two payments made by the buyer user to the seller user over a period of time.; and a payment engine configured to monitor compliance with the payment terms including receipt of payments over time from the buyer user.
  • the online marketplace operates to maintain one or more currency accounts for users as well. For example, users may deposit (or transfer) money directly into the currency account and in exchange receive currency that can be used to complete transactions on the online marketplace.
  • the currency in the account is a virtual currency maintained by the online marketplace.
  • the online marketplace maintains accounts with funds maintained in a real currency that can be deposited or withdrawn at any time such as without completing a transaction using the online marketplace.
  • the description can include structured (e.g., the age of the transaction offering) and unstructured data (e.g., a narrative description of the transaction offering).
  • structured e.g., the age of the transaction offering
  • unstructured data e.g., a narrative description of the transaction offering
  • the online marketplace 102 transmits the listing and a profile of the first user to a second user.
  • the online marketplace 102 transmits the listing to the second user in response to a search request made by the second user.
  • the second user may enter a search term that describes an aspect of a transaction offering into a form on a web site generated by the online marketplace.
  • the listing is transmitted to the second user in response to a browse request made by the second user.
  • the second user may select a category (or subcategory) of types of transaction offerings from a list on a web site generated by the online marketplace 102.
  • the method 490 includes operations 492, 494, 496, 498, 502, 504, 506, 508, 510, 512, 514, 516, 518, 520, and 522.
  • the top level categories include “Real Estate,” “Businesses,” “Jewelry,” “Tickets,” “Electronics,” “Designer Clothes,” “Vehicles,” “Services,” “Vacations,” “Animals/Pets,” “Hardware Store,” “Grocery Store,” and “Wanted.”
  • the top-level category “Real Estate” is subdivided into the subcategories “Single Family Home,” “Parking Stalls,” and “Rentals.”
  • the subcategory “Rentals” can be further subdivided into the subcategories “Residential,” and “Commercial.” Some embodiments allow further subdivision.
  • the user enters a password.
  • the password must be entered twice and must match. In this manner, it is less likely that a typographical error will result in the password being set incorrectly.
  • the password can be subject to various security requirements, such as a minimum length and the inclusion of certain types of character (e.g., number, symbol, lower case, upper case, etc.).
  • the user's trust score is calculated at least in part based on the verification level completed.
  • the process of calculating a trust score is described in more detail below.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Technology Law (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
PCT/US2015/040938 2014-07-18 2015-07-17 Online marketplace with seller financing Ceased WO2016011371A1 (en)

Priority Applications (10)

Application Number Priority Date Filing Date Title
BR112017001111A BR112017001111A2 (pt) 2014-07-18 2015-07-17 mercado online com financiamento fornecido pelo vendedor
US15/326,918 US10387950B2 (en) 2014-07-18 2015-07-17 Online marketplace with seller financing
CA2955660A CA2955660C (en) 2014-07-18 2015-07-17 Online marketplace with seller financing
EP22187829.1A EP4141777A1 (en) 2014-07-18 2015-07-17 Online marketplace with seller financing
EP15821425.4A EP3189489A4 (en) 2014-07-18 2015-07-17 Online marketplace with seller financing
JP2017523193A JP6776231B2 (ja) 2014-07-18 2015-07-17 売手ファイナンスのあるオンラインマーケット
US16/503,171 US11055773B2 (en) 2014-07-18 2019-07-03 Online marketplace with seller financing
US17/335,935 US11704710B2 (en) 2014-07-18 2021-06-01 Online marketplace with seller financing
US18/331,233 US12254499B2 (en) 2014-07-18 2023-06-08 Online marketplace with seller financing
US19/032,022 US20250265625A1 (en) 2014-07-18 2025-01-18 Online marketplace with seller financing

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14/335,634 US9501791B2 (en) 2014-07-18 2014-07-18 Online marketplace with seller financing
US14/335,634 2014-07-18

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US14/335,634 Continuation-In-Part US9501791B2 (en) 2014-07-18 2014-07-18 Online marketplace with seller financing

Related Child Applications (2)

Application Number Title Priority Date Filing Date
US15/326,918 A-371-Of-International US10387950B2 (en) 2014-07-18 2015-07-17 Online marketplace with seller financing
US16/503,171 Continuation US11055773B2 (en) 2014-07-18 2019-07-03 Online marketplace with seller financing

Publications (1)

Publication Number Publication Date
WO2016011371A1 true WO2016011371A1 (en) 2016-01-21

Family

ID=55074937

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2015/040938 Ceased WO2016011371A1 (en) 2014-07-18 2015-07-17 Online marketplace with seller financing

Country Status (6)

Country Link
US (4) US9501791B2 (enExample)
EP (2) EP3189489A4 (enExample)
JP (1) JP6776231B2 (enExample)
BR (1) BR112017001111A2 (enExample)
CA (1) CA2955660C (enExample)
WO (1) WO2016011371A1 (enExample)

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US20250265625A1 (en) 2025-08-21
CA2955660A1 (en) 2016-01-21
US11704710B2 (en) 2023-07-18
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US20210398209A1 (en) 2021-12-23
JP2017521807A (ja) 2017-08-03
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US9501791B2 (en) 2016-11-22

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