U.S. patent application number 12/781483 was filed with the patent office on 2011-05-26 for system and method for real-time updating service provider ratings.
Invention is credited to JAMES STEIN.
Application Number | 20110125552 12/781483 |
Document ID | / |
Family ID | 23937816 |
Filed Date | 2011-05-26 |
United States Patent
Application |
20110125552 |
Kind Code |
A1 |
STEIN; JAMES |
May 26, 2011 |
SYSTEM AND METHOD FOR REAL-TIME UPDATING SERVICE PROVIDER
RATINGS
Abstract
Service providers are evaluated and rated according to criteria
that includes customer satisfaction with the services provided by
the service provider. If the service provider meets and/or exceeds
certain predetermined criteria, the service provider is certified,
and a list of certified companies together with a satisfaction
rating, can be posted on an website maintained by the rating
company for access by the consuming public. A member using the
service of a certified company, may register his/her credit card
with the Rating Company. When the service is rendered, and paid for
by the registered credit card, the payment is detected to trigger
the sending of Internet e-mail to the consumer to solicit
information as to the consumer's satisfaction with the service. A
response to the Internet e-mail by the Rating Company is used to
update on a real-time basis the customer satisfaction of the
service provider that provided the service.
Inventors: |
STEIN; JAMES; (SEBASTAPOL,
CA) |
Family ID: |
23937816 |
Appl. No.: |
12/781483 |
Filed: |
May 17, 2010 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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10458381 |
Jun 11, 2003 |
7720705 |
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12781483 |
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09487963 |
Jan 18, 2000 |
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10458381 |
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Current U.S.
Class: |
705/7.32 |
Current CPC
Class: |
G06Q 30/0203 20130101;
G06Q 30/02 20130101 |
Class at
Publication: |
705/7.32 |
International
Class: |
G06Q 10/00 20060101
G06Q010/00 |
Claims
1. A method, comprising: determining at a rating provider node
whether a service provider qualifies to be included in a subset of
service providers based on a first information associated with the
service provider and based on a predetermined criteria, the subset
being a subset of available service providers; sending a second
information associated with the subset of service providers from
the rating provider node to a financial service node via a
communication network, the second information being different than
the first information; receiving an indication from the financial
service node that a customer has transacted business with the
service provider if the service provider is from the subset of
service providers, the business being transacted via a customer
node and via a service provider node; sending to the customer via
the customer node a feedback request in response to the indication;
receiving, via the customer node, feedback from the customer based
on the transaction; and updating at the rating provider node a
service provider rating of the service provider based on an
analysis of the feedback using a predetermined algorithm.
2. The method of claim 1, wherein the feedback request includes a
request regarding a quality of service received by the customer
from the service provider.
3. The method of claim 1, further comprising: offering a benefit to
the customer after the business has been transacted between the
customer and the service provider.
4. The method of claim 1, wherein the financial service node is
from a plurality of financial service nodes, the method further
comprising: registering the customer as an evaluator of a service
provided by at least one service provider from the subset of
service providers, the registering being performed based on a
financial account number associated with the customer; and sending
the financial account number associated with the customer to the
plurality of financial service nodes in response to the
registering.
5. The method of claim 1, wherein the second information includes a
merchant identifier associated with at least one service provider
from the subset of service providers.
6. The method of claim 1, wherein the financial service node is
from a plurality of financial service nodes, the method further
comprising: sending the second information to the plurality of
financial service nodes after the determining and before the
receiving the indication.
7. The method of claim 1, wherein the financial service node is
independent from the customer node and the service provider
node.
8. The method of claim 1, wherein the financial service node is
from a plurality of financial service nodes, the method further
comprising: registering the customer as an evaluator based on a
financial account number associated with the customer; and sending
the financial account number associated with the customer to the
plurality of financial service nodes after the registering, the
indication is defined at the financial service node from the
plurality of financial service nodes in response to the financial
service node determining based on the financial account number that
the business between the customer and the service provider has been
transacted.
9. The method of claim 1, wherein the indication is defined at the
financial service node in response to the transaction being
identified by the financial service node based on a search
conducted by the financial service node, the method further
comprising: registering the customer as an evaluator before the
search is conducted by the financial service node.
10. The method of claim 1, wherein the indication includes a
predetermined portion of an amount of a payment from the customer
to the service provider.
11. The method of claim 1, wherein the indication is defined at the
financial service node when it is determined at the financial
service node that the customer is registered as an evaluator based
on a financial account number associated with the customer.
Description
RELATED PATENT APPLICATIONS
[0001] This application is a continuation application of U.S.
patent application Ser. No. 10/458,381 entitled "System and Method
for Real-Time Updating Service Provider Ratings," filed Jun. 11,
2003 (now U.S. Pat. No. 7,720,705), which is a continuation of U.S.
patent application Ser. No. 09/487,963 entitled "System and Method
for Real-Time Updating Service Provider Ratings," filed Jan. 18,
2000 (now abandoned), both of which are incorporated herein by
reference in their entireties.
BACKGROUND OF THE INVENTION
[0002] The present invention relates generally to a rating system
that for gathering consumer feedback in order to rate businesses
according to predetermined criteria. The ratings information
developed thereby is made available to members of the consuming
public to allow them to make a selection of a local business based
upon the customer satisfaction experiences of others. More
particularly, the invention relates to a method, and a system for
implementing that method, for updating the ratings on a real-time
or near real-time basis, based on specific, verified transactions
between consumers and businesses.
[0003] When searching for a local service (i.e., anything from
dentistry to window replacement to legal advice), the consuming
public is often faced with a daunting array of choices. It is
believed that approximately $2 trillion is spent annually with six
million or so service companies now doing business in America.
Thus, searching through the available services to find that one
that best satisfies one's needs and expectations is not an easy
task. One solution is to use the familiar "Yellow Pages" for a list
of unselective self-promotions of various businesses and service
providers. A better approach would be the recommendation of a
friend or acquaintance, but this provides only a small sampling of
satisfied (or not so satisfied) customers of the business in
question.
[0004] Another alternative has been to turn to those who make
available evaluations and surveys through magazines, ranking
various businesses and services according to predetermined
criteria. One such evaluation system provides a rating scheme in
which a satisfaction value is obtained through a sampling of a
business' customers. Coupled with the satisfaction value so
developed from the sampling is and investigation that checks to
ensure that the business in question has proper and appropriate
"documentation" (i.e., licenses, insurance, and the like). Those
businesses meeting a predetermined criteria of customer
satisfaction and proper documentation are "certified," and lists of
the certified companies are then made available to the consuming
public, either in hard copy (e.g., a magazine) or via a Web page
(see, e.g., http://valuestar.com). In addition, the certified
businesses are subjected to annual follow-up checks to ensure that
they still meet the criteria necessary for retention of the
certification. Those who have let their customer satisfaction slip
below a certain level are removed.
[0005] However, the time-lapse between the annual follow-up checks
of a certified business can present a problem. Businesses
previously certified may become inattentive or otherwise not
perform up to an expected level, thereby letting its customer
satisfaction drop. Until the business is reevaluated it is still
identified as being certified, keeping the customer satisfaction
value it obtained prior to its slide, thereby misleading
consumers.
[0006] Other ratings systems exist whereby consumers can register
their opinions about particular service businesses over the
Internet. Unfortunately, these systems allow consumers to volunteer
ratings for businesses not recently, or indeed never, used by the
particular consumer. Still other electronic ratings systems are
tied to specific "e-commerce" transactions over the Internet.
However, most local businesses reside in the "bricks and mortar"
world. Accordingly, a system for tracking e-commerce transactions
cannot possibly offer a statistically significant rating that is
tied to verifiable transactions between consumers and businesses.
Thus, there is need for updating a real time ratings system,
particularly one that is based on specific, verified transactions
local to the consumers.
SUMMARY OF THE INVENTION
[0007] The present invention is a method for updating business
ratings provided by an on-line rating service on a real-time, or
near real-time, basis. Thereby, a consumer using the on-line
consumer guide to look for a service can be relatively sure that
the customer rating value of the service rendered by a service
provider business in question is as current as possible.
[0008] Broadly, the invention involves identifying a transaction
between a customer and service provider soon after the transaction
is consummated and paid for, and sending the customer a
communication that solicits the customer's satisfaction of the
service provided through the transaction. One embodiment of the
invention uses a communication medium, including a conventional
Internet connection, to communicatively interconnect the customer,
the service provider business, the Rating Company and a Financial
Service Processor (e.g., bank or credit card processing company).
Using the Internet connection, the customer registers a financial
services account number (e.g., a credit card number or a checking
account number) with the Rating Company. A database containing this
customer's financial services account number together with those of
other similarly registered customers or buyers is forwarded to and
stored by the Financial Service Processor. The Rating Company also
supplies the Financial Service Processor with the merchant numbers
of all the service providers certified by it--either by inclusion
in the database containing customer financial services account
numbers, or in a separate database. Then when a register customer
makes a purchase of a service from a certified service provider,
and pays for that service with a credit card or check or other
electronic payment means tied to a financial services account
number previously registered with the Rating Company, that purchase
will be detected at the Financial Service Processor. The Financial
Service Processor notifies the Rating Company of the purchase. This
notification will trigger the transmission of an email to the
customer with a simple electronic form that asks for information
concerning the customer's satisfaction of the service received.
Upon receipt of the filled-out form, the Rating Company updates the
database containing the information about the business.
[0009] In another embodiment of the invention, the Rating Company
may contract with particular Financial Service Processors such as a
bank or credit card company to register all its customer checking
or credit card accounts, and supply the account numbers of the
customers to the Rating Company. The Rating Company may then supply
the Financial Service Processor with flyers to send to its
customers, notifying them of registration and of the rewards (e.g.,
frequent flyer miles) of using companies certified by the Rating
Company. The customer, should he/she choose to reply to the flyer,
will supply the same information as described above, i.e., a
financial services account number of one type or another (e/g/,
credit card number), and email address.
[0010] A number of advantages are achieved by the present
invention. The invention retrieves the satisfaction of a customer
while the recollection of the service provided is still fresh in
the customer's mind. Also, using the recollection to update the
satisfaction "quotient" of a business provides a realistic,
real-time rating of the business.
[0011] These and other advantages and aspects of the invention will
become apparent to those skilled in this art upon a reading of the
following description of the invention, which should be taken in
conjunction with the accompanying drawings.
BRIEF DESCRIPTION OF THE DRAWINGS
[0012] FIG. 1 is an illustration of a Web page of an Internet Web
site;
[0013] FIG. 2 broadly illustrates a system for implementing the
present invention;
[0014] FIG. 3 illustrates a computing system as may be used by a
consumer to register with a service provider for receiving email
solicitations to rate the satisfaction of a business;
[0015] FIG. 4 is a flow diagram broadly outlining the steps used
for implementing the method of the present invention; and
[0016] FIG. 5 is an illustration of a form as may be used for
eliciting information as to how satisfied a customer was with
services provided by a business.
DESCRIPTIONS OF SPECIFIC EMBODIMENTS
[0017] The particular consumer guide to which the present invention
is directed is in both a magazine and on-line form. It is the
on-line form that the invention finds particular use. The assignee
of the present invention is a rating company that rates service
provider businesses based upon: (1) a check of the legal and
financial status of the service provider; (2) checks to verify that
the service provider carries the necessary state licenses for the
services it offers; (3) a check to verify the service provider's
certificates of insurance; and (4) a survey of a sampling of the
service provider's customers to determine how satisfying the
customers found the services were, to obtain therefrom a customer
satisfaction rating. If these checks and verifications reach and/or
exceed a predetermined standard, the service provider is
"certified," and put into a list of similarly certified service
providers. The list of certified service providers is then made
available to the consuming public.
[0018] The on-line version of the list, accessible via a searchable
Internet Web site (with the consumer using proper Internet
connection equipment, such as is illustrated in FIG. 4, and an
appropriate browser), is the preferred form. As with many Web
sites, the on-line version of the consumer guide allows a
consumer/prospective customer to search the site according to
criteria selected by the consumer, and according to what type of
service the consumer is looking for. The site may provide
information about a certified company that may fit the need of the
consumer in a form similar to that shown in FIG. 1.
[0019] Assume that a consumer is looking to hire a catering service
for a planned party or other function. The consumer logs onto the
Rating Company's on-line consumer guide Internet Web site, and
performs a search. The search delivers a list of several catering
services in the consumer's geographical area that meet the
consumer's needs, ranked by the ratings that those caterers had
received from previous consumers. The consumer can select one or
more of them for more information, being ultimately directed to a
Web page that provides pertinent information about the business.
FIG. 1 is an example of such a Web page, designated generally as 2,
illustrating in simplified form the information that may be
provided by such a search. As FIG. 1 illustrates, the Web page 2
includes an identification field 3 that contains the name, address,
telephone number and other contact information (e.g., email
address) of the business--here a catering service. Also provided,
in a field 5, is information concerning the area of operation,
hours of operation, etc. A field 6 provides hyperlink connections
to other pages that allow the consumer to rate the company,
providing a Web page such as that shown in FIG. 5, or a link that
brings the consumer to an order Web page, allowing the consumer to
order services on-line if desired. In particular, the Web page 2 of
FIG. 1 provides a customer satisfaction rating 8 in field 4.
[0020] Referring now to FIG. 2, there is shown a system designated
generally with the reference numeral 10 that includes a number of
nodes 12, 14, 16, and 18. Much of consuming public owns personal
computers with connection for electronic communication via the
Internet. This is represented by the "Consumer nodes" 12 (12.sub.1,
12.sub.2, . . . , 12.sub.n). The "Service Provider" node 14
generally represents a service provider (e.g., dentists,
contractor, cabinetmaker, dry cleaning, etc.). A "Rating Company"
16, i.e., a company that evaluates and rates service providers as
described above, is shown at 16. Preferably, the Rating Company 16
will have the capability of electronic communication with the
Consumer nodes 12 for reasons that will become clear below. A
Financial Service Processor node 18, preferably also communicative
coupled to the Rating Company and to the Service Provider node 16,
completes the system 10.
[0021] As used herein, a Financial Service Processor (FSP) is a
financial payment service of one type or another. For example, an
FSP may be a bank with which the service provider does business, or
with which a customer has a checking account, or it may be a credit
card processing company. Alternatively, it may be an on-line
payment service, or it may be a check verification service. As will
be seen, any of these services will operate with the present
invention.
[0022] Continuing with FIG. 2, various nodes 12-18 are shown
communicatively interconnected by a "communicative network" 22.
Preferably, the Consumer nodes 12 and Rating Company node 16 are
Internet capable, i.e., they use the Internet to communicate with
one another by both email and a Web site run by the Rating Company
16). This means that Rating Company node 16 will preferably have
the necessary instrumentality to provide Internet Web site access
to company rating and evaluation information for consumers. The
Internet Web site will preferably also allow the consumers to
supply a modicum of information about themselves for registration
purposes.
[0023] There need not be a communicative interconnection between
the Service Provider node 14 and the Rating Company node 16 or
Consumer nodes 12 for application of the present invention. It is
preferable, however to have a communicative connection between the
Service Provider node 14 and the FSP node 18. This latter
connection is preferably by a dedicated line or other secure
connection for data transfer involving transactions consummated by
the Service Provider Node and consumers (i.e., the business at the
node). Similarly, the communicative connection between the Rating
Company node 16 and the FSP node 18 is preferably a secure line of
one sort or another.
[0024] Thus, the communicative network 22 symbolizes an aggregate
of communicative interconnections commonly used in today's commerce
and as may exist or be available between the nodes 12-18.
[0025] As FIG. 2 illustrates, the FSP node 18 maintains a database
18.sub.a whereat is kept consumer financial information (i.e.,
credit card numbers or checking account numbers) that is searchable
for processing payment of a commercial transaction by credit card
or check or other on-line payment by the consumer. The database
18.sub.a will also have a Service Provider Number. Similarly, the
Rating Company node 16 typically includes a data processing system
(not shown) that includes the capability of providing a server
function for Internet operations (i.e., email and provision of a
Web site). Alternatively, of course, the Rating Company node 16
could use the services on an Internet service provider (ISP; not
shown) to host the web site. The Rating Company node also includes
a database 16.sub.a that contains the business rating and
evaluation information available for Internet access by consumers
(or others). The database will also maintain consumer information,
including email addresses, according to the present invention as
described more fully below. In addition, the database will include,
for each certified service provider, the "merchant number" of the
service provider (or merchant numbers if the service provider has
more than one). A merchant number is that identification assigned a
service provider by the bank with which the service provider does
business. If the service provider does business with more than one
financial institution (e.g., with one bank for credit card
transactions, and another for banking), then the service provider
will have more than one merchant number.
[0026] Referring now to FIG. 3, there is at least one version of a
configuration of computing apparatus as may be found at a consumer
node 12, shown here as consumer node 12.sub.j. As shown, the node
12.sub.j includes a main cabinet 30 that houses the principle
processing system, including a central processing unit and various
peripheral equipment such as floppy and hard drives, CD ROM
readers, and the like. The processing system connects to a CRT
monitor 32, keyboard 34, and a communication device 36 by
appropriate cables 40. The consumer node 12.sub.j may also include
a conventional pointing device (e.g., mouse or track ball; not
shown) of one sort or another for point-and-click selection
operations. The communication device 36 preferably provides
Internet access (via an appropriate ISP) and may take the form of a
standard modem connection to the telephone lines 44. Alternatively,
the communication device may be of a type that provides ISDN, DSL,
ASDL, cable, or even a satellite dish connection.
[0027] The consumer node 12.sub.j could be a conventional
television set with a WebTV connection rather that the PC system
shown in FIG. 3. (WebTV is a registered trademark of Microsoft
Corporation of Redmond Wash.) Whatever the configuration used, the
consumer node 12.sub.j preferably has both email and Internet
capability, but at a minimum email capability.
[0028] The Rating Company node 16 will make available to the
consuming public, via its Internet Web site, the identification and
a relative rating of the various service providers it has
evaluated--based upon on information gathered by the Rating
Company. Such information may include a listing of those service
providers found to have met and/or exceeded predetermined criteria
set by the Rating Company, including a customer satisfaction value
indicative of the satisfaction of those consumers who have
purchased or have been provided with the services rendered by the
service provider. A real-time updating of the customer satisfaction
value of the service provider is an object of the present invention
according to the steps outlined in the flow diagram illustrated in
FIG. 4. It is also possible that the ratings could be made
available to the consuming public via other portals or ecommerce
Web sites that would recompense the Rating Company for the rights
to display the Ratings information.
[0029] FIG. 4 illustrates the major steps that may be taken to
update customer satisfaction ratings according to the present
invention. That update process may begin with step 52 when a
consumer, from one of the consumer nodes 12, e.g., consumer node
12.sub.j (FIGS. 1 and 2), logs onto the Internet to access the Web
site maintained by the Rating Company node 16. The Web site may
include a "registration" page at which a consumer, from the
consumer node 12.sub.j, supplies personal information, including an
email address and a credit card number of the credit card that may
be used in a commercial transaction. This information will be used
later, as described below, to identify a service purchased from a
company that has been certified by the Rating Company to identify
the transaction and prompt an email request for information as to
the satisfaction of the consumer.
[0030] The information provided by the consumer to the Rating
Company is placed in the database 16.sub.a maintained by the Rating
Company node 16. The list of service providers certified by the
Rating Company will also be in the database 16.sub.a, together with
the merchant number(s) of each certified service provider, or the
list may have previously been sent to the FSP node separately for
storage in the database 18.sub.a. And, step 54 sees the Rating
Company node 16 forwarding certain portions of the information
provided by the consumer, such as the consumer's credit card number
or bank account number to the FSP node and placed in the database
18.sub.a. This will allow the FSP to correlate certified service
providers (by the associated merchant number(s)) from whom services
have been purchased with credit cards or checks or on-line payments
drawn on checking accounts that have been registered with the
Rating Company node 16.
[0031] At step 58, a transaction is consummated between a consumer
and one of the service providers certified by the Rating Company
involving payment with the credit card whose number was previously
registered with the Rating Company node 16. The credit card
transaction data is transmitted, in step 60, and via the
communicative network 22 (e.g., via a dedicated line), to the FSP
node 18 for payment. The FSP node will search its database 18, for
a credit card number that matches that used for the transaction
with the particular (certified) service provider. This search will
detect the credit card number previously registered by the consumer
in step 52. It will also detect that the transaction occurred with
a certified service provider by the merchant number associated with
the information that was conveyed to the FSP.
[0032] Having detected use of a registered credit card or check or
on-line payment tied to a registered bank account for a transaction
with a certified company, the FSP node 18 will electronically
notify the Rating Company node 16, providing the Rating Company
with an identification of the registered consumer's credit card
number or bank account number (step 62), the merchant number
associated with the service provider involved in the transaction,
the date of the transaction, and the amount of payment. This
notification will in turn, prompt the Rating Company node 16 to
conduct a search of its database 16, for information related to the
credit card number or bank account number, and find the information
previously provided by the consumer, including the consumer's
e-mail address. This, at step 64, will prompt the sending of a form
email by the Rating Company node 16 to the consumer node 12.sub.j.
The email from the Rating Company node could include a form similar
to that shown in FIG. 5, or the email may include a URL that
provides a link to a Web page having the same form. The form, as
can be seen in FIG. 5 solicits information from the consumer as to
how satisfied the consumer was with the service purchased.
Alternatively, it is also possible, for certain consumers that do
not have access to the Internet, for the Rating Company to
automatically call the consumer by telephone to obtain a
satisfaction opinion from the consumer.
[0033] Preferably, however, the form would be much simpler than
that illustrated in FIG. 5. To ensure as much as possible that
there will be a reply, the answers to only two questions may be
requested, followed by a request for a more detailed response if
the consumer so desires. The two questions may be: [0034] 1. On a
scale of 1 to 10, 1 being very dissatisfied and 10 being very
satisfied, how do you feel about the value you've received most
recently from the [identified service provider]? [0035] 2. Would
you recommend this merchant to others (Y/N)?
[0036] Both questions need not be answered in the same manner to be
counted. The answers to these questions are then used to develop
the satisfaction rating for the service provider, using the
following relation:
Rating=(0.5.times.Satisfaction Rating (from 0 to
10).times.10)+(0.5.times.Recommend to a Friend [0 for no, 100 for
yes]).
[0037] For example, if the response were that the service provider
would be recommended to a friend with a rating of 8 out of 10, the
score would be
Rating=(0.5.times.8.times.10)+(0.5*100)=40+50=90
[0038] The consumer may be asked for more detailed information,
such as illustrated in FIG. 5 which shows an exemplary screen
portion of what would be sent or otherwise made accessible (e.g.,
as by a link embedded in an email to the consumer node 12) to the
consumer, to illicit such additional or more detailed information.
The screen, designated generally by the reference numeral 80,
contains an informational field 82 and five major entry fields
84-92. As can be seen, the informational field 84 identifies the
service provider for which a satisfaction rating is being requested
of the consumer.
[0039] Entry field 84 provides the certain of the consumer
identification information for review and correction by the
consumer. Entry fields 86, 88, 90, and 92 request information
concerning how satisfied the consumer was with the transaction
between the consumer and the service provider being rated. The
information supplied via the entry fields 86-92 will, when received
by the Rating Company node 16, be assimilated into the satisfaction
rating value accorded the particular service provider, adjusting
that value accordingly, and posting this adjusted value to the
database 16.sub.j for the service provider in question.
[0040] Thus, in Step 66, the consumer reads the e-mail, provides at
least some of the information requested (a satisfaction factor)
and, if he/she chooses to respond, sends a reply e-mail, with the
information supplied, back to the Rating Company node 16. Upon
receipt by the Rating Company, the information at least pertaining
to a satisfaction factor is extracted from the reply, and the
database 16.sub.b accessed for the rating information for the
service provider with which the consumer dealt. The satisfaction
value for that service provider is updated by the information
supplied by the consumer, and the updated value returned to the
database 16.sub.a for posting to the Web site maintained by the
Rating Company node 16 (step 70).
[0041] An alternative to asking the consumer to take affirmative
steps to registration of his or her credit card number would be for
the Rating Company node 16 to negotiate agreements with certain
partner financial institutions to automatically register the credit
cards (and/or checking accounts--see below) of all or a group of
their customers. The Rating Company could then provide the
financial institution with marketing materials to be sent to the
credit card holders to inform them that the credit cards have been
"registered" with the Rating Company 16, and that purchases from
those companies "certified" by the Rating Company node will provide
certain advantages (e.g., dispute mediation, limited guarantees,
etc.). The credit card holder is asked to fill out the form
included in the materials, or otherwise contact the Rating Company,
to supply an email address which is placed in the database
16.sub.a. Then, when a transaction is entered with such a certified
company, and paid for with the "registered" credit card, it can be
detected at the FSP (who will have been provided this information
by the Rating Company, as described above). The FSP may then notify
the Rating Company node 16 of the transaction to prompt the email
delivery as also described above.
[0042] Alternatively, for those consumers desiring to pay for
services by check, a checking account number can be registered with
the Rating Company in the same manner as described above for
registering credit card numbers. In this case, the FSP may be the
service provider's bank, or a check verification service, or a
payment service in the case of on-line payments (e.g., on-line
banking).
[0043] A further alternative, for those consumers that do not make
payment for a transaction with a credit card, and/or who do not
register beforehand, may be to have the Service Provider node 14
obtain the consumer's email address at the time of the transaction
(or any other time for that matter), and send (e.g., by facsimile
transmission) the consumer's email address to the Rating Company
node 16. Or, the consumer may register the transaction by sending
information of the transaction to the Rating Company node 16
(again, by a facsimile transmission, or by calling an "800"
number).
[0044] In a yet further alternative of the invention, should the
consumer wish to register a transaction that is paid for using cash
or unregistered credit cards or checking accounts, the consumer may
register the transaction manually using the Rating Company's web
site. By providing information such as the Service Provider's
Merchant number and the date and size of the transaction, the
Rating Company can double-check the validity of the transaction
through an email or fax communication to the Service Provider.
Verified transactions will result in a real-time updating of the
Service Provider's satisfaction level, just as it would for
automated transactions described above.
[0045] While the present invention has been described in terms of
various embodiments, it will be apparent to those skilled in this
art that various modifications and alterations can be made. For
example, rather than having the consumer register through the
on-line Web site, as described above, the consumer can register
when the services are purchased by the service provider. The
service provider would then forward to the Rating Company the email
identification so that an email can be sent to solicit the
consumer's satisfaction of the services rendered. A further
alternative could be to register the consumer's bank account number
so that, in the event the service obtained is paid for by check,
the bank will detect that payment and notify the Rating Company
accordingly. Finally, the consumers could register these services
by telephone, or be automatically called by the Rating Company to
register his ratings opinion, as described above.
[0046] Therefore, although the invention has been described in
terms of several specific embodiments, it should be understood that
the invention is not limited to the disclosed embodiments. To the
contrary, the present invention is intended to cover various
modifications and equivalent structures included within the spirit
and scope of the appended claims
* * * * *
References