SYSTEMS AND METHODS FOR A MICROPAYMENT SOLUTION FOR MEDIA APPLICATIONS

• US 20200134595A1
• Filed: 10/28/2019
• Published: 04/30/2020
• Est. Priority Date: 10/28/2018
• Status: Active Grant

• Current Assignee: Pennypay Incorporated
• Original Assignee: Pennypay Incorporated
• Inventors: Musiala, JR., Robert A., Kuk, John H.
• Granted Patent: US 11,875,330 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/0655 e-cash managed centrally
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/29 characterised by micropayments
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes

Abstract

The present disclosure relates generally to systems and methods for facilitating micropayments between distributed, independent consumers and content creators. A computer-implemented method is disclosed related to enabling tips between at least one content consumer and at least one content creator, comprising: receiving, at a web application from a user interface, an intent to tip; sending, via the web application, a payment initiation based on the intent to tip to a processing service; generating, at the processing service, a payment event based on the payment initiation, wherein the payment event comprises payment data; and updating, at the processing service, at least one wallet based on the payment data.

Claims

1. A computer-implemented method related to enabling tips between at least one content consumer and at least one content creator, comprising:

receiving, at a web application from a user interface, an intent to tip;

sending, via the web application, a payment initiation based on the intent to tip to a processing service;

generating, at the processing service, a payment event based on the payment initiation, wherein the payment event comprises payment data; and

updating, at the processing service, at least one wallet based on the payment data.

2. The computer-implemented method of claim 1, wherein receiving an intent to tip, further comprises:

creating, at the user interface, the intent to tip based on the content consumer interacting with the user interface.

3. The computer-implemented method of claim 1, wherein sending the payment initiation, further comprises:

validating, at the processing service, the payment initiation by performing, at the processing service, a status check on an account associated with the content consumer.

4. The computer-implemented method of claim 1, wherein generating the payment event, further comprises:

verifying, at the processing service, a balance for an account associated with the content consumer; and

converting, at the processing service, a fiat currency to an equivalent in digital currency.

5. The computer-implemented method of claim 1, wherein the at least one wallet is associated with the content consumer.

6. The computer-implemented method of claim 1, further comprising:

updating, at the processing service, a second wallet associated with the at least one content creator.

7. The computer-implemented method of claim 1, further comprising:

updating, via the processing service and web application, the user interface based on the payment data.

8. The computer-implemented method of claim 1, further comprising:

transmitting, via the processing service to an interface platform, the payment data for analysis.

9. The computer-implemented method claim 8, further comprising:

analyzing, at an analytics component, the payment data to generate tip data; and

transmitting, via the analytics component to a content provider, the tip data.

10. A tangible machine-readable medium comprising instructions for enabling tips between at least one content consumer and at least one content creator that, when executed, cause a machine to at least:

receive an intent to tip;

send a payment initiation based on the intent to tip to a processing service;

generate a payment event based on the payment initiation, wherein the payment event comprises payment data; and

update at least one wallet based on the payment data.

11. The tangible machine-readable medium of claim 10, further comprising instructions that, when executed, cause the machine to at least:

create the intent to tip based on the content consumer interacting with the user interface.

12. The tangible machine-readable medium of claim 10, further comprising instructions that, when executed, cause the machine to at least:

validate the payment initiation by performing a status check on an account associated with the content consumer

13. The tangible machine-readable medium of claim 10, further comprising instructions that, when executed, cause the machine to at least:

verify a balance for an account associated with the content consumer; and

convert a fiat currency to an equivalent in digital currency.

14. The tangible machine-readable medium of claim 10, further comprising instructions that, when executed, cause the machine to at least:

update a second wallet associated with the at least one content creator.

15. The tangible machine-readable medium of claim 10, further comprising instructions that, when executed, cause the machine to at least:

update the user interface based on the payment data.

16. A system for enabling tips between at least one content consumer and at least one content creator, comprising:

a web application;

a user interface;

a processing service; and

wherein the system is configured to at least;

receive, at the web application from the user interface, an intent to tip;

send, via the web application, a payment initiation based on the intent to tip to the processing service;

generate, at the processing service, a payment event based on the payment initiation, wherein the payment event comprises payment data; and

update, at the processing service, at least one wallet based on the payment data.

17. The system of claim 16, further configured to at least:

create the intent to tip based on the content consumer interacting with the user interface.

18. The system of claim 16, further configured to at least:

validate the payment initiation by performing a status check on an account associated with the content consumer

19. The system of claim 16, further configured to at least:

verify a balance for an account associated with the content consumer; and

convert a fiat currency to an equivalent in digital currency.

20. The system of claim 16, further configured to at least:

update a second wallet associated with the at least one content creator.