Products and processes for revenue sharing and delivery

Abstract

Various techniques of distributing revenue and/or other money, selecting/bonding delivery agents, and performing other tasks are providing herein. Methods include distributing portions of loan payments to one or more referrers associated with one or more loans, bonding of delivery agents, selecting delivery agents, allocating portions of credit card payments and/or sharing advertisement revenue. Other apparatus and methods are disclosed.

1 - 25 . (canceled) 
     
     
         26 . A method comprising:
 receiving, by a computing device, from a user interface of a first remote device, an electronic communication that includes an electronic signal representing data for a request for delivery of at least one product;   identifying the at least one product to be delivered, the at least one product having a value;   transmitting, from the computing device, to a second remote device, an electronic communication that includes an electronic signal representing data for a request for bonding of a delivery agent for delivery of the at least one product;   after identifying the at least one product, determining, by the computing device, a bonding value for a delivery agent to deliver at least one product based, at least in part, on the value of the at least one product, in which the bonding value is different from the value of the at least one product, in which the act of determining the bonding value comprises generating the bonding value based on the value of the at least one product;   after determining the bonding value and before sending the delivery agent any instruction to deliver the at least one product, determining, by the computing device, that a specific sum of money at least as great as the bonding value is available to bond the delivery agent;   in response to determining that the sum of money at least as great as the bonding value is available to bond the delivery agent, transmitting, from the computing device to at least one processor of a third remote device via an electronic computer network, an electronic communication that includes an electronic signal representing data for a request to deliver the at least one product;   receiving, by the computing device, from a fourth remote device, an electronic communication that includes an electronic signal representing an indication of advertisement content associated with the at least one product to be delivered; and   transmitting, from the computing device, to the user interface of the second remote device, an electronic communication that includes an electronic signal representing data for the advertisement content associated with the at least one product to be delivered, the advertisement content to be rendered for display on at least a portion of the user interface of the second remote device.   
     
     
         27 . The method of  claim 26 , in which determining that the specific sum of money is available includes:
 transmitting, from the computing device, a request for a bonding of the delivery agent; and   receiving, by the computer system, an indication that the specific sum of money is available to bond the delivery agent.   
     
     
         28 . The method of  claim 27 , wherein transmitting the request for the bonding includes transmitting a request to lock a charge on at least one credit card. 
     
     
         29 . The method of  claim 27 , wherein receiving an indication that the specific sum of money at least as great as the bonding value is available includes at least one of receiving an indication that the money is held by a trusted entity, and receiving the money. 
     
     
         30 . The method of  claim 27 , in which receiving the indication that the specific sum of money is available to bond the delivery agent includes receiving an indication that, on behalf of the delivery agent, the specific sum of money is available to be forfeit in response to a failed delivery of the at least one product. 
     
     
         31 . The method of  claim 26 , wherein the act of determining the bonding value comprises determining a percentage of the value of the at least one product, in which the bonding value is less than the value of the at least one product. 
     
     
         32 . The method of  claim 26 , comprising:
 selecting, by the computer system, the delivery agent based on a plurality of reviews, in which each of the plurality of reviews includes a respective review of at least one of the delivery agent and at least one other respective delivery agent.   
     
     
         33 . The method of  claim 32 , in which selecting the delivery agent includes selecting the delivery agent based on a comparison of at least one review of the delivery agent and at least one review of at least one other delivery agent. 
     
     
         34 . The method of  claim 32 , wherein selecting delivery agent includes selecting a most positively reviewed delivery agent of a plurality of delivery agents. 
     
     
         35 . The method of  claim 32 , comprising determining, by the computing device, the plurality of reviews based on a social network of a merchant associated with the product, in which each review of the plurality of reviews is from a member of the social network. 
     
     
         36 . The method of  claim 32 , comprising determining, by the computing device, the plurality of reviews based on a social network of a customer who purchased the product, in which each review of the plurality of reviews is from a member of the social network. 
     
     
         37 . The method of  claim 26 , comprising:
 selecting, by the computing device, the delivery agent from a plurality of delivery agents based on an availability of the delivery agent in a desired timeframe compared to an availability of at least one other delivery agent in the desired timeframe.   
     
     
         38 . The method of  claim 26 , comprising determining, by the computing device, an allocation of a payment to each of the delivery agent, a merchant associated with the product, and a referrer of the request to deliver. 
     
     
         39 . The method of  claim 26 , in which the bonding value is based on a distance of the delivery. 
     
     
         40 . The method of  claim 26 , in which the boding value is based on a fragility of the at least one product. 
     
     
         41 . The method of  claim 26 , in which the bonding value is based on a risk adversity of at least one merchant. 
     
     
         42 . The method of  claim 26 , in which the bonding is based on a risk adversity of a destination of the delivery. 
     
     
         43 . An apparatus comprising:
 a computing device; and   a non-transitory medium having stored thereon a plurality of instruction that when executed by the computing device cause the apparatus to:
 receive, from a user interface of a first remote device, an electronic communication that includes an electronic signal representing data for a request for delivery of at least one product; 
 identify the at least one product to be delivered, the at least one product having a value; 
 transmit, to a second remote device, an electronic communication that includes an electronic signal representing data for a request for bonding of a delivery agent for delivery of the at least one product; 
 after identifying the at least one product, determine a bonding value for a delivery agent to deliver at least one product based, at least in part, on a value of the at least one product, in which the bonding value is different from the value of the at least one product, in which the act of determining the bonding value comprises generating the bonding value based on the value of the at least one product; 
 after determining the bonding value and before sending the delivery agent any instruction to deliver the at least one product, determine that a specific sum of money at least as great as the bonding value is available to bond the delivery agent; 
 in response to determining that the specific sum of money at least as great as the bonding value is available to bond the delivery agent, transmit an electronic communication that includes an electronic signal representing data for a request to deliver the at least one product to at least one processor of a third remoted device via a computing network; 
 receive, from a fourth remote device, an electronic communication that includes an electronic signal representing an indication of advertisement content associated with the at least one product to be delivered; and 
 transmit, to the user interface of the second remote device, an electronic communication that includes an electronic signal representing data for the advertisement content associated with the at least one product to be delivered, the advertisement content to be rendered for display on at least a portion of the user interface of the second remote device. 
   
     
     
         44 . The apparatus of  claim 43 , in which to determine that the specific sum of money is available, the instructions are configured to cause the apparatus to:
 transmit, a request for a bonding of the delivery agent; and   receiving, by the computer system, an indication that the specific sum of money is available to bond the delivery agent.   
     
     
         45 . A non-transitory computer-readable medium having stored thereon instructions that are configured to, when executed by at least one computing device, direct the at least one computing device to:
 receive, from a user interface of a first remote device, an electronic communication that includes an electronic signal representing data for a request for delivery of at least one product;   identify the at least one product to be delivered, the at least one product having a value;   transmit, to a second remote device, an electronic communication that includes an electronic signal representing data for a request for bonding of a delivery agent for delivery of the at least one product;   after identifying the at least one product, determine a bonding value for a delivery agent to deliver at least one product based, at least in part, on a value of the at least one product, in which the bonding value is different from the value of the at least one product, and in which the act of determining the bonding value comprises generating the bonding value based on the value of the at least one product;   after determining the bonding value and before sending the delivery agent any instruction to deliver the at least one product, determine that a specific sum of money at least as great as the bonding value is available to bond the delivery agent;   in response to determining that the specific sum of money at least as great as the bonding value is available to bond the delivery agent, transmit an electronic communication that includes an electronic signal representing data for a request to deliver the at least one product to at least one processor of a third remote device via a computing network;   receive, from a fourth remote device, an electronic communication that includes an electronic signal representing an indication of advertisement content associated with the at least one product to be delivered; and   transmit, to the user interface of the second remote device, an electronic communication that includes an electronic signal representing data for the advertisement content associated with the at least one product to be delivered, the advertisement content to be rendered for display on at least a portion of the user interface of the second remote device.