Reputation integration into remittance delivery

Abstract

One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party.

1 . A system for a network-based marketplace, the system comprising:
 an interface to receive a request to conduct a remittance transaction, the remittance transaction including a transfer of a value from a first party to an account of an intermediary party, and a transfer of at least a portion of the value to a third party by the intermediary party; and   a reputation determination module to access reputation data associated with the intermediary party; and   a fee determination module to determine an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party based on the reputation data.   
     
     
         2 . The system of  claim 1 , further comprising a value transfer module to transfer the value from an account of the first party to the account of the intermediary party, and to transfer at least the portion of the value to the third party. 
     
     
         3 . The system of  claim 2 , wherein the value transfer module is to deduct the intermediary fee from the value, and to retain the intermediary fee in the account of the intermediary party. 
     
     
         4 . The system of  claim 2 , wherein the value transfer module is to credit the account of the intermediary party with the intermediary fee. 
     
     
         5 . The system of  claim 2 , wherein the value transfer module is to debit the account of the first part with the intermediary fee. 
     
     
         6 . The system of  claim 2 , further comprising a transfer confirmation module, coupled to the value transfer module, to provide confirmation of the transfer of at least the portion of the value to the third party. 
     
     
         7 . The system of  claim 1 , further comprising a reputation update module to update the reputation data associated with the intermediary party responsive to a completion of the remittance transaction. 
     
     
         8 . The system of  claim 7 , wherein the transfer confirmation module is to receive a confirmation of the transfer of at least the portion of the value to the third party from the third party. 
     
     
         9 . The system of  claim 7 , wherein the transfer confirmation mo is to receive a confirmation of the transfer of at least, the portion of the value to the third party from the intermediary party. 
     
     
         10 . A method of delivering a remittance over a network, comprising:
 receiving a request to conduct a remittance transaction, the remittance transaction including a transfer of a value from a first party to an account of an intermediary party, and a transfer of at least a portion of the value to a third party by the intermediacy party;   accessing, using one or more processors, reputation data associated with the intermediary party; and   determining an intermediary tee chargeable by the intermediary party for the transfer of at least the portion of the value to the third party, the determining of the intermediary fee being based upon the reputation data associated with the intermediary party.   
     
     
         11 . The method of  claim 10 , wherein the reputation data associated with the intermediary party includes a value of remittance transactions previously conducted by the intermediary party over a predetermined amount of time. 
     
     
         12 . The method of  claim 11 , wherein the more the value of remittance transactions previously conducted by the intermediary party over the predetermined amount of time, the more the intermediary fee. 
     
     
         13 . The method of  claim 10 , wherein the reputation data associated with the intermediary party includes a number of successful transactions previously conducted by the intermediary party over a predetermined amount of time. 
     
     
         14 . The method of  claim 13 , wherein the more the number of successful transactions previously conducted by the intermediary party over the predetermined amount of time, the more the intermediary fee. 
     
     
         15 . The method of  claim 10 , wherein the reputation data associated with the intermediary party includes feedback data received from one or more first and/or third parties in connection with remittance transactions previously conducted by the intermediary party. 
     
     
         16 . The method of  claim 10 , wherein the request is received by an interface of a server included in a payment system. 
     
     
         17 . The method of  claim 10 , further comprising deducting the intermediary fee from the value, and retaining the intermediary fee in the account of the intermediary party. 
     
     
         18 . The method of  claim 10 , further comprising crediting le account of the intermediary party with the intermediary fee with the intermediary fee responsive to confirmation of the transfer of at least the portion of the value to the third party. 
     
     
         19 . The method of  claim 10 , further comprising debiting the account of the first party with the intermediary fee responsive to confirmation of the transfer of at least the portion of the value to the third party. 
     
     
         20 . A machine readable medium embodying instructions, which when executed by a machine, cause the machine to perform a method including:
 receiving a request to conduct a remittance transaction, the remittance transaction including a transfer of a value from a first party to an account of an intermediary party, and a transfer of at least a portion of the value to a third party by the intermediary party;   accessing reputation data associated with the intermediary party; and   determining an intermediary tee chargeable by the intermediary party for the transfer of at least the portion of the value to the third party, the determining of the intermediary fee being based upon the reputation data associated with the intermediary party.