SYSTEM AND METHOD FOR MAKING MONEY BY FACILITATING EASY ONLINE PAYMENT

• US 20100312702A1
• Filed: 12/12/2009
• Published: 12/09/2010
• Est. Priority Date: 06/06/2009
• Status: Abandoned Application

• Current Assignee: Jolly Seven, Series 70 of Allied Security Trust I (Allied Security Trust)
• Original Assignee: Jolly Seven, Series 70 of Allied Security Trust I (Allied Security Trust)
• Inventors: Bullock, Roddy M.
• Application Number:
  US12/636,731
• Publication Number:
  US 20100312702A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/0273 Determination of fees for advertising
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A computerized system for making money on the internet is disclosed. The system includes system memory and executable instructions for displaying on a client system a comment section for posting user-generated content, the comment section capable of having posted thereto a default-format user-generated content and a fee-paid distinctive user-generated content. A payment method is disclosed. The method utilizes a computer device memory and executable instructions of a third party server. The method includes the steps of, identifying by use of the third party server a client device registered to a first party payer, and facilitating by the third party a payment of money from the payer'"'"'s payment account to a registered second party payee'"'"'s receiving account. A system for facilitating payments is disclosed. The system includes a third party server, the third party server utilizing computer executable instructions to receive information from a registered first party payer'"'"'s client device. The information can include at least identification of a registered internet content provider'"'"'s receiving account and a payment amount. The executable instructions can recognize a registered first party payer'"'"'s client device, map the registered first party payer'"'"'s client device to a payment account, and facilitate electronic payment of the payment amount from the payment account to the receiving account, and wherein the payment is facilitated based solely upon recognition by the third party'"'"'s server of the first party'"'"'s client device.

Claims

1. A server system with system memory and executable instructions for displaying on a client system a comment section for posting user-generated content, said comment section capable of having posted thereto a default-format user-generated content and a fee-paid distinctive user-generated content.

2. The server system of claim 1, wherein said comment section is at the end of a news story or blog entry.

3. The server system of claim 1, wherein said distinctive comment is positioned out of chronological or reverse chronological order relative to said default-format comment.

4. The server system of claim 1, wherein said default-format content or said fee-paid distinctive content comprises user-generated comments to a news story or blog entry.

5. A payment method, said method utilizing computer device memory and executable instructions of a third party server, said method comprising the steps of,

a. identifying by use of said third party server a client device registered to a first party payer;

and

b. facilitating by said third party a payment of money from said payer'"'"'s payment account to a registered second party payee'"'"'s receiving account.

6. The payment method of claim 5, wherein said payment is approved solely upon recognition by said third party'"'"'s server of said first party'"'"'s client device.

7. The payment method of claim 5, further wherein said first party payer registers with said third party, and said registration information includes risk-mitigating limits on payments from said first party payer'"'"'s payment account.

8. The payment method of claim 7, wherein said risk-mitigating limits include limits selected from the group consisting of, a maximum payment amount per transaction, a maximum payment amount per time period, a maximum number of payment transactions per time period, and combinations thereof.

9. A system for facilitating payments, said system comprising,

a. a third party server, said third party server utilizing computer executable instructions to,

i. receive information from a registered first party payer'"'"'s client device, said information including at least identification of a registered internet content provider'"'"'s receiving account and a payment amount,

ii. recognize a registered first party payer'"'"'s client device,

iii. map said registered first party payer'"'"'s client device to a payment account, and

iv. facilitate electronic payment of said payment amount from said payment account to said receiving account, and

v. wherein said payment is facilitated based solely upon recognition by said third party'"'"'s server of said first party'"'"'s client device.

10. The system of claim 9, wherein said client device is recognized by a device fingerprint.

11. The system of claim 10, wherein said device fingerprint is passively assembled.

12. The system of claim 9, wherein said device fingerprint includes a cookie.

13. The system of claim 9, wherein said payer'"'"'s client device is also mapped to payer-specified limits on payment amounts.

14. The system of claim 13, wherein said limits are selected from the group consisting of, a maximum payment amount per transaction, a maximum payment amount per time period, a maximum number of payment transactions per time period, and combinations thereof.

15. A system for facilitating payments, said system comprising,

a. a third party server, said third party server utilizing computer executable instructions to,

i. receive information from a first party payer'"'"'s client device, said information includes at least identification of a registered internet content provider, a payment amount, and a receiving account,

ii. recognize a client device as one not registered with said third party,

iii. send to said client device an offer to register,

iv. receiving from said client device information including at least a payment account from which said third party can debit a payment amount and a device fingerprint,

v. registering said first party payer'"'"'s client device, and associating said payment account with said client device, and

vi. facilitating electronic payment of said payment amount from said payment account to said receiving account.

16. The system of claim 15, wherein said client device is recognized by a device fingerprint.

17. The system of claim 16, wherein said device fingerprint is passively assembled.

18. The system of claim 16, wherein said device fingerprint includes a cookie.

19. The system of claim 15, wherein said payer'"'"'s client device is also mapped to payer-specified limits on payment amounts.

20. The system of claim 19, wherein said limits are selected from the group consisting of, a maximum payment amount per transaction, a maximum payment amount per time period, a maximum number of payment transactions per time period, and combinations thereof.