WO2018227020A1 - Plate-forme transactionnelle améliorée - Google Patents
Plate-forme transactionnelle améliorée Download PDFInfo
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- WO2018227020A1 WO2018227020A1 PCT/US2018/036556 US2018036556W WO2018227020A1 WO 2018227020 A1 WO2018227020 A1 WO 2018227020A1 US 2018036556 W US2018036556 W US 2018036556W WO 2018227020 A1 WO2018227020 A1 WO 2018227020A1
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Classifications
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
-
- 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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
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- G—PHYSICS
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- 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
Definitions
- telecommunications and transactions including the offering, providing, selling and purchasing of services, content and time.
- One aspect, practice or embodiment of the invention comprises a server accessible to a plural ity of users through respective client application programs executing on respective client devices capable of communicating with the server via a digital network, the server comprising a digital processing resource, the digital processing resource comprising at least one digital processor, the server being operable to: (A) match a user who offers to provide services, content or time ("Provider") with a user who wishes to purchase the services, content or time (“Consumer”); (B) calculate market price for the offered services, content or time of the Provider, the calculation via the server being based in part on a metric of demand for the Provider's services, content or time; ( €) receive an indication of the Consumer's request to purchase services, content or time of the Provider at the calculated market price; (D) arrange for payment from the Consumer to the Provider, via the server, for the Provider's service, content or time purchased by the Consumer at the calculated market price; and (E) deliver a communications session containing the service, content or time purchased b the Consumer,
- Another aspect of the invention comprises an application platform environtnent supported b the server and organized into three layers, comprising a core platform services layer, a platform modules layer, and a platform applications layer, wherein: the core platform services layer comprises core platform services usable by platform modules or platform applications; the platform modules layer comprises platform-based functional modifies operable to utilize selected ones of the core platform services provided by the core sen-ices layer; and the platform applications layer comprises platform- based application programs operable to utilize selected ones of the core platform services or platform modules.
- the platform environment (whether a communications platform environment, marketplace platform environment, or applications platform environment) is operable to enable a User of the platform to create and maintain at least one defined identity (Persona for use in connection with selected service, content or time transactions enabled by the platform.
- the platform environment provides a virtual storage structure (Zeitiocker) operable to store data, foe Zeitiocker having temporal, spatial and Persona-level access pattern awareness, such that access to data stored in a given Zeitiocker is enabled only to Personas meeting ZeitloeSker owner-defined parameters, ia another practice or aspect of the invention, access to data in a given Zeitlocker requires real-titae authorization from the Zeitlocker owner.
- a virtual storage structure Zaeitiocker
- Another aspect of the invention comprises a method that includes configuring a communications platform environment supported by the server and organized into three layers, comprising a core platform services layer, a platform modules layer, and a platform applications Saver, wherein the core platform services layer comprises core platform services usable by platform modules or platform applications; the platform modules layer comprises platform-based functional modules operable to utilize selected one of the core platform services provided by the core services layer; and the platform applications layer comprises platform-based applicati n programs operable to utilize selected ones of the core platform services or platform modules.
- Another aspect of the invention comprises a method that includes configuring a marketplace platform environment supported by the server and organized into three layers, comprising a core platform services layer, a platform modules layer, and a platform applications layer, wherein the core platform services layer comprises core platform services usable b platform modules or platform applications; the platform modules layer comprises platform-based functional modules operabie to utilize seiected ones of the core platform sen-ices provided by the core services layer; and the platform applications layer comprises platform-based application programs operabie to utilize selected ones of the core platform services or platform modules.
- Another aspect, of the invention comprises a method that includes configuring an application platform environment supported by the server and organized int three layers, comprising a core platform services layer, platform modules layer, and a piaiiorm applications layer, wherein the core platform services layer comprises core platform services usable by platform modules or platform applications; the platform modules layer comprises platform-based functional modules operabie to utilize seiected ones of the core platform sen-ices provided by the core services layer; and the platform applications layer comprises platform-based application programs operable to utilize selected ones of the core platform services or platform modules.
- Another aspect of the invention comprises a method that includes configuring the platform environment (whether a communications platform, marketplace platform, or applications platform to be operable to enable a User of the platform to create and maintain at least one defined identity (Persona) for use in connection with selected service, content or time transactions enabled by the platform.
- the platform environment whether a communications platform, marketplace platform, or applications platform to be operable to enable a User of the platform to create and maintain at least one defined identity (Persona) for use in connection with selected service, content or time transactions enabled by the platform.
- the Persona is a fictional identity.
- Another aspect of the invention comprises a computer program product comprising digital processor-executable program instructions that, when, executed is a digital -processor of a server, cause the server to configure a communications pla tform environment supported by the server and organized into three layers, comprising a core platform services layer, a. platform modules layer, and a platform applications layer, wherein the core platform services layer comprises core platform services usable by platform modules or platform applications; the platform modules layer comprises piatforra-based functional modules operable to utilize selected ones of the core platform services pro vided by the core services layer; and the platform applications layer comprises platform-based application programs operable to utilize selected ones of the core platform sendees or platform modules.
- Another aspect of the invention comprises a computer program product comprising digital processor-executable program instructions that, when execu ted in a digital processor of a server, ' cause the server to configure a marketplace platform environment supported by the serve and organized into three layers, comprising a. core platform sen/ices layer, a platform .modules layer, and a platform
- Another aspect of die invention comprises a computer program product comprising digital processor-executable prograra instructions that, when executed in a digital processor of a server, cause the server to configure the platform environment (whether communications platform, marketplace platform, or applications platform) to be operable to enable a User of the platform to create arid maintain at least one defined identity (Persona) for use in connection with selected service, content or time transactions enabled by the platform.
- the platform environment whether communications platform, marketplace platform, or applications platform
- Persona at least one defined identity
- Another aspect of the invention comprises a computer program product comprising digital processor-executable program instructions that, when executed in a digital processor of a server, cause the server to configure the platform environment (whether a communications platform, marketplace platform, or applications platform) to he operable to enable a User to create separate, different, respective Personas for use with different, respective service, content or time transactions or classes of transactions enabled by the platform.
- the platform environment whether a communications platform, marketplace platform, or applications platform
- Another aspect of the invention comprises a computer program product comprising digital processor-executable program instructions that, when executed in a digital processor of a server, cause the server to configure a platform environment in which platform-based logical links between a given User identity and a corresponding Persona are established b a platform-based identity Translation Sen-ice (ITS).
- ITS identity Translation Sen-ice
- Another aspect of the invention comprises a computer program product comprising digital processor-executable prograra instructions that, when executed in a digital processor of a server, cause the server to configure a platform environment in which the ITS provides a per-application user ID.
- Another aspect of the invention comprises a computer program product comprising digital processor-executable program instructions that, when executed in a digital processor of a server, cause the server to configure the platform environment (whether a communications platform, marketplace platform, or applications platform) to be operable to enable to enable ad vanced communications session routing, using a pl urality of communication nodes, to enable a selected high level of protection of transmission routing.
- Another aspect of the invention comprises a computer program product comprising digital processor-executable program instructions that, when executed in a digital processor of a server, cause the server to configure the platform environment (whether a communications platform, marketplace platform, or applications platform) such that in the platform environment, user verification is managed in accordance with a multi-factor protected private key distribution (MFPP D) technique.
- MFPP D multi-factor protected private key distribution
- HHoowweevveerr ssuucchh cchhaarrggeess aanndd lliimmiittaatitioonnss wwoouulldd ppootteennttiiaallllyy aadddd ffrriicctitioonn ttoo tthhee ddeecciissiioonn ttoo rreeggiissteterr aass aa uusseerr aanndd ttoo tthhee ddaayy--toto-ddaayy u ussee ooff tthhee ppllaattffoorrmm..
- a tiered, pricing system thai protects consumers ftom inflated fees
- a member who can see another member 's pseudonymous identity in a conversation, contact list, invitation, etc., will see that it is fictional but will not see the owner's true identity. Only the owner can enable another member's ability to see their true identity.
- the fee paid fay an individual participant is at the discretion of the provider.
- the minimum fee which must be paid by an individual participant amounts to the provider's Zeitprice divided by the total number of subscribed participants.
- the maximum-permissible fee to be paid by each individual participant amounts to the Zeitprice of the provider.
- the ZP Services component group 1 .10 provides a variety of access functions to user, device, and eiidpoint management, including the following:
- FIG:, 4 is a diagram of the Applications and User Experience components 18! of the Zeitmarket Product.. These components comprising Mobile Clients 133 and 134 and the ZmClient module 173.
- Zcitmarket utilizes "native" applications to ensure high performance and best possible utilization of specific device features, A careful balance is struck so that the user experience is consistent with other applications on that platform as well as that of the Zcitmarket app itself on other platforms.
- the contents and layouts of most screens in a ' Zettmarket app depend on the host OS, the means of pointing and the size of the device's display. Devices with smaller displays show fewer simultaneous Ul elements.
- Identity bar indicating the persona the user has selected to represent him or her. * The collection of personas belonging to other users that this user has contacted while assuming the current persona identity (displayed in the identity bar) - i.e., the context container.
- One or more financial account ID 's (PayPal, bank account, debit card, credit card, Apple Pay, etc.) and die accountholder name on each.
- the short name can be the persona owner's real legal name (the name on a verified financial account or government-issued ID) or a pseudonym of their choosing, in important contexts such as search results and invitations, every persona name is badged as:
- a certified professional provider is a persona that offers a service to other personas under his or her real name and the professional qualification of such provider has been certified by Zeitmarket.
- Entries in the database ensure that a persona is only visible to certain specified personas when searching or browsing the Zeitrnarket directory.
- the persona can specify visibility to the general public, all friends, every persona whose Level is the same or higher than theirs, an explicit list of personas or even a single anonymous persona.
- the Security Center 1 12 employs an array of connections 140 to exchange security-related data with the Communication Control Center 121, the Universal Zcitmacbiae 131, the User Interaction Control Center 132, and Mobile Clients 133 and 134.
- the Securit aspects of the invention include the foS towing:
- FIG. 8 is a diagram illustrating the Communication Services components 185, comprising Communication Control Center 121 and Communication Nodes 22, and modules ZmCommConrrol 161 and ZmCommNodes 162,
- the optional advanced routing feature ⁇ utilizing several communication nodes) enables a high level of protection of transmission routing on top of the already pro vided strong content encryption.
- the choice of communication routing in this special case is influenced by not only finding the fastest route, but minimizing connection-pattern based information leakage and behavioral analysis.
- Privac is reduced as the communication partner can be derived OH network-provider level by evaluating IP traffic.
- FIG. 10 is a diagram providing a schematic illustration of a server/cloud infrastructure 1 ! according to an aspect of the invention.
- Infrastructure 191 comprises a plurality of coniniunieation nodes 1 2 that provide respective connections itttO: a virtual pri vate network (VPN) 193.
- VPN 193 includes a local provider directory "UserDir" 1 4 and a plurality of remote mobile clients 1 5, running a suitable messaging app 196 that include videostream capability 1 7.
- the depicted infrastructure supports "virtual meeting rooms" and like functionalities.
- the Zeitprice of the provideris) in a real-time communication session defines the maximum price of an hour-long session.
- the price to send a text message compensates the persona for the typical time it takes for someone to read and respond to a message. That price is tied to a persona 's Level and may be weighted based on the size of the message.
- the Zeitmarket client app display real-time feedback io the : user indicating the communication cost.
- Zeitmarket as a service provider does not have the ability to decrypt the communications or the pay load / content shared between its users. It is neither a wish nor a policy; it is a fact backed up by the usage of appropriate algorithms. Since Zeitmarket does not profit from "analyzing" any content, the operators of Zeitmarket do NOT read anything, not evert from inside a user's phone app «or in the browser (contrary to conventional and current practices of others).
- every member may be entitled to a generous amount of secure con versation with Friends without charge.
- Such con versations pro vide them tree practice in the use of the Zeitmarket app and make them more comfortable and efficient when they engage in fee-based conversations.
- Zeitniarket can be operated as a unique private -communication and digital transaction platform for selling and consuming time on the Web.
- derivative products/platforms that can be licensed and marketed independently from a publicly accessible Zeitniarket platform.
- One such derivative is referred to herein as "Zeitmarket Corporate Edition" ⁇ Zeitmarket CE).
- the Zeitmarket CE allows a company to set up an internal marketplace for time using Zeitniarket technology and customized business rules. Management can put their Zeiimoney (real or virtual) where their top priorities are without choking off all access to experts by medium priority project: teams. A team with less Zeitmoney to spend in the marketplace would budget more carefully and weigh both a provider's Zeitprice and the relevance of their expertise as detailed in an online profile. And staff and business partners outside the company's firewaU VPN could use Zeitmark.et's secure communications to participate in the marketplace as provider or as client.
- a verified provider is a aon-aaonyiaous provider whose identity and credentials Zeitmarket has accepted.
- the Zeitprice is determined by a server-based module called the Universal Zeitmaehine (UZM).
- UZM determines each provider's Zeitprice based on data provided by each provider's individual Zeitmachine.
- UZM will allow global changes to : occur across the entire Zei .market For example, UZM will allow management to adpst the level of providers based on market conditions, seasonality, spoiisorships, human behavior patterns, or other criteria based on simulations.
- the UZM is designed to take roll advantage of event-based notifications which helps to allow for scalability millions of users.
- Some candidate additional feedback sources include provider qualit metrics such as:
- the UZ is architected, to employ multiple algorithm that can be tested using standard A-B testing techniques.
- the UZM system has been designed to incorporate virtual actors, or "hots,” that can exhibit some of the behaviors of real users in the system. These virtual actors can be quite useful to testing various aspects of our overall, system infrastructure by simulating real-world behavior.
- the UZM needs to act on provider performance data in order to calculate new weekly Zeitprices fo all the providers. UZM will do this by issuing Protobuf requests over https to a Z Core-speeiflc endpoint. Hie ZMCore will respond to the request with the provider performance data requested.
- the UZM runs on regular production server infrastructure, "parallel" to ZMCore, because UZM needs to communicate most efficiently with ZMCore.
- each environment such as production, stage, etc.
- An exemplars' embodiment may utilizes hot standby for failover protection and performance of backups.
- a further exemplary embodiment may start with two nodes in the cluster and expand as needed.
- the Zeitmarket information that can be changed by such a person could be limited to the Success Threshold (the difficulty or ease with which a provider can move up or down a level) and the Observation Period (the number o f weeks o f historical data taken into account when calculating Zeit rice)
- the digital processors, processing modules, servers and other processing structures discussed herein can include one or more network ports connected to communication links or channels which allow communication with, and within, a network, to accordance with known digital network practice, wherein a gi ven processor or module can transmit hiformation, content, data or requesis to, and receive information, content, data or requests from, other computer system and other devices in the network, in a typical network organized according to, for example, a conventional client-server paradigm, certain computer systems in the network may be designated as servers, which store data and programs (generally, "information") for processing by the other, client computer systems.
- a client computer system that needs access to information maintained by a particular server can request, enable or cause the server to download the information to i t over the network.
- a network may also include, for example, other resources which may be shared among the various computer systems connected in the network, '
- the communication links interconnecting the computer systems in the network may comprise any convenient information-carrying medium, including wires, optical fibers or other media for carrying signals among the computer systems.
- FIG 14 is a diagram of one form (although not the only form) of cloud configuration 4000 in connection with which the invention can be implemented, comprising a cloud layer 41)01, a network layer 4 ( J2, and a client layer 4003.
- Program instructions or software applications contained in storage 4005 within the cloud layer 40 1. are accessible by servers 4004 that communicate via network 4002 with individual clients in the client Saver 4003. It will be understood that the invention can be implemented in connection with configurations and architectures other than cloud configurations, and other than that shown m FIG 1 .
- telecommunications devices can include known forms of cellphones, sniariphones, and other known forms of mobile devices, tablet computers, desktop and laptop computers, and known forms of digital network components and server/cloud netvvork/client architectures that enable communications between such devices.
- method aspects of the present invention can be executed within commercially available digital processing devices and systems, such as servers, PC's, laptop computers, tablet computers, personal computers (PCs) and smartphones or other mobile devices, operating under the collective command of the sniariphones or computers operating system, such as iOS, Android or Windows, and a computer program product configured in accordance with the present invention, as well as known forms of digital -networks, including architectures comprising server, cloud, network, and client aspects, for communications between such devices.
- digital processing devices and systems such as servers, PC's, laptop computers, tablet computers, personal computers (PCs) and smartphones or other mobile devices, operating under the collective command of the sniariphones or computers operating system, such as iOS, Android or Windows, and a computer program product configured in accordance with the present invention, as well as known forms of digital -networks, including architectures comprising server, cloud, network, and client aspects, for communications between such devices.
- Computer software can encompass any set of computer-readable programs instructions encoded on a non- transitory computer readable medium.
- a computer readable medium can encompass any form of computer readable element, including, hut not limited to, a computer bard disk, computer floppy disk, computer-readable flash drive, computer readable RAM or RO element, or any oilier known means of encoding, storing or providing digital information, whether local to or remote from the workstation, PC or otter digital processing device or system.
- Various forms of computer readable elements and media are well nown in the computing- arts, and their selection is left to the hnpienienie
- FIGS. 12A and 12B illustrate aspects of the platform environment 1200, as follows (wherein items shown in FIGS. 12A or 12B in parentheses,. or described below in parentheses, are, among other aspects, optional in a given practice of the invention):
- the Identity Translation Service (ITS) provides a per-appHcation user ID.)
- the platform environment is operable to enable advanced communications session routing, using a plurality of communication nodes, to enable a selected high level of protection of transmission routing.
- MFPPKD multi- factor protected private key distribution
- the platform environment provides a virtual storage structure (referred to herein as a Zeitlocker) operable to store date, die Zeitlocker having temporal, spatial and Persona-level access pattern awareness, such that access to data stored i a given Zeitlocker is enabled only to
- a virtual storage structure referred to herein as a Zeitlocker
- the digital processing resource 1317 comprising at least one digital processor .1319.
- the client devke(s) 1303 can be computers, smaitphones, tablets, or other known digital communications and processing devices.
- the Providerls) communicate with the server 1313 via the network 1307, and communicate with the network 1 07 through corresponding provider dcvice(s) 131 1, which ma be computers, smartphones, tablets, or other known digital communications and processing devices.
- the communications links between these elements, depicted with arrows in FIG. 13, can be of known design.
- a Persona can be a fictional identity.
- a Persona can be a real identity (e.g., an identity that correlates in an identifiable manner with a real-world identity).
- the server 1313 also provides a communications session routing module 1323; and in an exemplary embodiment of the invention, the platform environment 1315, through the functions of the server 1313, is operable to enable advanced communications session routing, using a plurality of commnnication nodes, to enable a selected high le vel of protecti on of transmission routing. As also discussed elsewhere herein, in an exemplary - embodiment, routing is selected at least in. part to minimize -connection pattern-based information leakage and behavioral analysis,.
- server 1313 provides a Zeitlocker module 1327, and in an exemplary embodiment, the platform environment 1315 supported by the server 1313, provides a -virtual storage structure (Zeitlocker) operable to store data, the Zeitlocker having temporal, spatial and Persona-level access pattern awareness, such that access to data stored in a given Zeitlocker is enabled only to Personas meeting Zeitlocker owner-defined parameters.
- a -virtual storage structure Zeitlocker
- access to data in a gi ven Zeitlocker requires real-time au thorization from the Zeitlocker owner.
- the serverfs), client device ' s), communications links (schematically denoted by arrows in FIG, 13) and network shown in FIG. 1.3 can. be of generally conventional construction, and can he provided by use of commercially available servers, computers, smartphones, tablets, and other such communications and processing devices, provided such structures, devices, and networks are configured and operated in accordance with the present invention.
- the server or servers can include or be in communication with known forms of digital storage, in accordance with known techniques of server design.
- server(s) communicate with the server(s) through a different network, or may communicate with one or more servers more directly , without the use of a network.
- the platform environment (whether a communications, marketplace, and/or applications
- platform environment is depicted in FIG, 13 as being within, and supported by, the server.
- the platform environment could be collectively supported by more than one server and its digital processing resources; and could also be considered to include functional and or structural aspects of the Provide s devices and/or the U serfs ⁇ ' client devices, depending on the selected allocation of processing operations. Decisions as to selected allocation of processing operations wi thin a networked configuration are left to imp!ementers of the present invention.
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Abstract
Des procédés, des systèmes, des dispositifs et des produits de code programme/logiciel d'ordinateur permettent à un fournisseur de vendre des services, un contenu ou du temps à un consommateur par l'intermédiaire d'un réseau de communication, et de recevoir une compensation financière pour la valeur des services, du contenu ou du temps fournis, par l'intermédiaire du réseau.
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US16/620,498 US20200184524A1 (en) | 2015-03-12 | 2018-06-07 | Improved transactional platform |
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US201762516593P | 2017-06-07 | 2017-06-07 | |
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US20100114739A1 (en) * | 2008-09-03 | 2010-05-06 | David Johnston | Systems and methods for a comprehensive integrated and universal content selling and buying platform |
WO2016145425A1 (fr) * | 2015-03-12 | 2016-09-15 | Mine Zero Gmbh | Plate-forme de transactions |
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US20100114739A1 (en) * | 2008-09-03 | 2010-05-06 | David Johnston | Systems and methods for a comprehensive integrated and universal content selling and buying platform |
WO2016145425A1 (fr) * | 2015-03-12 | 2016-09-15 | Mine Zero Gmbh | Plate-forme de transactions |
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