Micro-payment system architecture

• US 8,027,918 B2
• Filed: 11/24/2004
• Issued: 09/27/2011
• Est. Priority Date: 08/30/2004
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Nielsen, Thomas A., Ling, Benjamin Chan-Bin, Piscitello, John Dominick, Crespo, Arturo E., Perrochon, Louis Vincent, Harik, Georges
• Primary Examiner(s): Dixon; Thomas
• Assistant Examiner(s): Fields; Benjamin S
• Application Number:
  US10/997,227
• Publication Number:
  US 20060080238A1
• Time in Patent Office: 2,498 Days
• Field of Search: 705/40
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/29 characterised by micropayments
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0617 Representative agent
• CPC Class Codes: G06Q 30/0619 Neutral agent
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A micro-payment system has buyers, sellers, and a broker. The buyers establish accounts with the broker and provide payment information allowing the broker to invoice the buyers. The sellers establish accounts with the brokers and specify terms for accessing items, including electronic content, available from the sellers. The sellers also provide payment information that allows the broker to credit the sellers for sales of the items. The broker aggregates the buyers'"'"' micro-payment purchases and invoices the buyers. The broker also aggregates the sellers'"'"' micro-payment sales and credits the sellers.

Claims

1. A broker computer system having a non-transitory computer-readable storage medium having computer program logic embodied therein for facilitating transactions between buyers and sellers in a micro-payment system, the computer program logic comprising:

a seller access module for establishing accounts for a plurality of sellers in the micro-payment system, the sellers selling electronic content that can be purchased by buyers in micro-payment transactions wherein each seller includes a content database storing electronic content offered by the seller for purchase;

a buyer access module for establishing accounts for a plurality of buyers in the micro-payment system, wherein the buyers can purchase electronic content offered by the sellers;

a content indexing module for indexing the electronic content in the content databases of the sellers and storing an index of the electronic content at the broker computer system;

a searching interface module for receiving search queries from the buyers, searching the index for electronic content responsive to the search queries and presenting the buyers with descriptions of the electronic content offered by the sellers that are responsive to the search queries;

an accounting module for enabling the buyers to engage in micro-payment transactions to purchase electronic content identified responsive to the search queries, for aggregating each buyer'"'"'s purchases from one or more sellers and invoicing each buyer for its respective aggregate purchases from the one or more sellers, and for aggregating each seller'"'"'s sales and crediting each seller for its respective aggregate sales;

a storage system, separate from the content databases of the sellers, for storing at the broker computer system copies of the electronic content of the sellers that has been indexed by the content indexing module; and

a content proxy module for retrieving electronic content from the storage system responsive to a buyer purchasing the electronic content and providing the purchased electronic content from the broker computer system to the buyer.

2. The broker computer system of claim 1, wherein the buyer access module comprises:

payment information enabling the broker computer system to invoice the buyers for the buyers'"'"' transactions;

billing rules specifying billing terms for transactions engaged in by the buyers; and

notification rules describing if and/or when the buyers are to be notified of purchases made in the micro-payment system.

3. The broker computer system of claim 1, further comprising:

a content rules module for storing rules describing the electronic content available from the seller and terms of access to the content.

4. The broker computer system of claim 3, wherein the content rules module comprises:

access rules specifying terms of access to the electronic content available from the seller;

pricing and payment rules specifying fees associated with purchasing the electronic content from the seller; and

delivery rules specifying how purchased electronic content is delivered to a buyer.

5. The broker computer system of claim 1, wherein electronic content offered by the sellers includes links to other content offered by the sellers, the content indexing module comprising:

a crawler module for following the links in the electronic content offered by the sellers to index the linked-to set of electronic content offered by the sellers.

6. The broker computer system of claim 1, wherein a seller is adapted to issue cookies uniquely identifying buyers to the seller and wherein the computer system further comprises:

a cookie cache for storing the cookies issued by the seller and for providing a cookie to the seller responsive to the buyer identified by the cookie interacting with content from the seller.

7. The broker computer system of claim 1, further comprising:

a reputation module for determining a reputation score representing the quality of content from a seller, wherein the broker computer system provides the reputation score to the buyers.

8. The broker computer system of claim 1, further comprising:

a fraud detection module for detecting potentially fraudulent usage of the broker computer system.

9. The broker computer system of claim 8, wherein the fraud detection module decreases a rate of transactions that can be performed by a buyer and/or seller engaged in a potentially-fraudulent transaction, responsive to the rate of transactions exceeding a set value.

10. A computer program product comprising:

a non-transitory computer-readable medium having computer program logic embodied therein for providing a broker that facilitates transaction between buyers and sellers in a micro-payment system, the computer program logic comprising;

a seller access module for establishing accounts for a plurality of sellers in the micro-payment system, the sellers selling electronic content that can be purchased by buyers in micro-payment transactions wherein each seller includes a content database storing electronic content offered by the seller for purchase;

a buyer access module for establishing accounts for a plurality of buyers in the micro-payment system, wherein the buyers can purchase electronic content offered by the sellers;

a content indexing module for indexing the electronic content in the content databases of the sellers and storing an index of the electronic content at the broker;

a searching interface module for receiving search queries from the buyers, searching the index for electronic content responsive to the search queries and presenting the buyers with descriptions of the electronic content offered by the sellers that are responsive to the search queries;

an accounting module for enabling the buyers to engage in micro-payment transactions to purchase electronic content identified responsive to the search queries, for aggregating each buyer'"'"'s purchases from one or more sellers and invoicing each buyer for its respective aggregate purchases from the one or more sellers, and for aggregating each seller'"'"'s sales and crediting each seller for its respective aggregate sales;

a storage system, separate from the content databases of the sellers, for storing at the broker copies of the electronic content of the sellers that has been indexed by the content indexing module; and

a content proxy module for retrieving electronic content from the storage system responsive to a buyer purchasing the electronic content and providing the purchased electronic content from the broker to the buyer.

11. The computer program product of claim 10, wherein the buyer access module comprises:

payment information enabling the broker to invoice the buyers for the buyers'"'"' transactions;

billing rules specifying billing terms for transactions engaged in by the buyers; and

notification rules describing if and/or when the buyers are to be notified of purchases made in the micro-payment system.

12. The computer program product of claim 10, further comprising:

a content rules module for storing rules describing the electronic content available from the seller and terms of access to the content.

13. The computer program product of claim 12, wherein the content rules module comprises:

access rules specifying terms of access to the electronic content available from the seller;

pricing and payment rules specifying fees associated with purchasing the electronic content from the seller; and

delivery rules specifying how purchased electronic content is delivered to a buyer.

14. The computer program product of claim 10, wherein electronic content offered by the sellers includes links to other content offered by the sellers, the content indexing module comprising:

a crawler module for following the links in the electronic content offered by the sellers to index the linked-to set of electronic content offered by the sellers.

15. The computer program product of claim 10, wherein a seller is adapted to issue cookies uniquely identifying buyers to the seller and wherein the computer system further comprises:

a cookie cache for storing the cookies issued by the seller and for providing a cookie to the seller responsive to the buyer identified by the cookie interacting with content from the seller.

16. The computer program product of claim 10, further comprising:

a reputation module for determining a reputation score representing the quality of content from a seller, wherein the broker provides the reputation score to the buyers.

17. The computer program product of claim 10, further comprising:

a fraud detection module for detecting potentially fraudulent usage of the broker.

18. The computer program product of claim 17, wherein the fraud detection module decreases a rate of transactions that can be performed by a buyer and/or seller engaged in a potentially-fraudulent transaction, responsive to the rate of transactions exceeding a set value.

19. A computer-implemented method of facilitating transactions between buyers and sellers in a micro-payment system, comprising:

receiving data, by a broker computer system, representative of requests by a plurality of sellers to establish accounts in the micro-payment system and representative of requests by a plurality of buyers to establish accounts in the micro-payment system;

responsive to the received data, establishing, by the broker computer system, accounts for the plurality of sellers in the micro-payment system, the sellers selling electronic content that can be purchased by buyers in micro-payment transactions wherein each seller includes a content database storing electronic content offered by the seller for purchase;

responsive to the received data, establishing, by the broker computer system, accounts for the plurality of buyers in the micro-payment system, wherein the buyers can purchase items offered by the sellers;

indexing, by the broker computer system, the electronic content in the content databases of the sellers and storing an index of the electronic content at the broker computer system;

receiving, by the broker computer system, search queries from the buyers;

searching, by the broker computer system, the index for electronic content responsive to the search queries;

presenting, by the broker computer system, the buyers with descriptions of the electronic content offered by the sellers that are responsive to the search queries;

enabling, by the broker computer system, the buyers to engage in micro-payment transactions to purchase electronic content identified responsive to the search queries;

aggregating, by the broker computer system, each buyer'"'"'s purchases from one or more sellers and invoicing each buyer for the buyer'"'"'s respective aggregate purchases from the one or more sellers;

invoicing, by the broker computer system, each buyer for its respective aggregate purchases from the one or more sellers;

aggregating, by the broker computer system, each seller'"'"'s sales and crediting each seller for its respective aggregate sales;

storing, by the broker computer system in a storage system separate from the content databases of the sellers, copies of the electronic content of the sellers that has been indexed;

retrieving, by the broker computer system, electronic content from the storage system responsive to a buyer purchasing the electronic content; and

providing, by the broker computer system, the purchased electronic content from the broker computer system to the buyer.

20. The method of claim 19, further comprising storing:

payment information enabling the broker computer system to invoice the buyers for the buyers'"'"' transactions;

billing rules specifying billing terms for transactions engaged in by the buyers; and

notification rules describing if and/or when the buyers are to be notified of purchases made in the micro-payment system.

21. The method of claim 19, further comprising:

storing rules describing the electronic content available from the seller and terms of access to the content.

22. The method of claim 21, wherein the stored rules include:

access rules specifying terms of access to the electronic content available from the seller;

pricing and payment rules specifying fees associated with purchasing the electronic content from the seller; and

delivery rules specifying how purchased electronic content is delivered to a buyer.

23. The method of claim 19, wherein electronic content offered by the sellers includes links to other content offered by the sellers and further comprising:

following the links in the electronic content offered by the sellers to index the linked-to set of electronic content offered by the sellers.

24. The method of claim 19, wherein a seller is adapted to issue cookies uniquely identifying buyers to the seller and further comprising:

storing the cookies issued by the seller; and

providing a stored cookie to the seller responsive to the buyer identified by the cookie interacting with content from the seller.

25. The method of claim 19, further comprising:

determining a reputation score representing the quality of content from a seller; and

providing the reputation score to the buyers.

26. The method of claim 19, further comprising:

detecting potentially fraudulent usage of the broker computer system.

27. The method of claim 26, further comprising:

decreasing a rate of transactions that can be performed by a buyer and/or seller engaged in a potentially-fraudulent transaction, responsive to the rate of transactions exceeding a set value.