US 12,169,821 B2
Systems and methods for a micropayment solution for media applications
Robert A. Musiala, Jr., Evanston, IL (US); and John H. Kuk, Bloomington, IL (US)
Assigned to PennyPay, Inc., Evanston, IL (US)
Filed by PennyPay, Inc., Evanston, IL (US)
Filed on Dec. 1, 2023, as Appl. No. 18/526,451.
Application 18/526,451 is a continuation of application No. 16/665,584, filed on Oct. 28, 2019, granted, now 11,875,330.
Claims priority of provisional application 62/751,643, filed on Oct. 28, 2018.
Prior Publication US 2024/0211921 A1, Jun. 27, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/22 (2012.01); G06Q 20/06 (2012.01); G06Q 20/10 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/29 (2013.01) [G06Q 20/06 (2013.01); G06Q 20/10 (2013.01); G06Q 20/36 (2013.01)] 19 Claims
OG exemplary drawing
 
1. A computer-implemented method related to enabling payments between at least one content consumer and at least one content creator, comprising:
creating or identifying a second network channel wallet associated with the at least one content creator;
causing, using an application, a payment icon to be presented via a content channel, wherein the payment icon is associated with content presented via the content channel, and wherein the content is associated with the at least one content creator;
causing, in response to engagement of the payment icon and via the application, output of one or more payment amount options;
receiving, in response to selection of a select payment amount option of the one or more payment amount options, an indication of an intent to pay by a user;
creating or identifying, in response to the indication of the intent to pay by the user, a first network channel wallet associated with the user,
wherein each of the first network channel wallet and the second network channel wallet is registered to the content channel and is able to transact on a transaction network,
wherein each of the first network channel wallet and the second network channel wallet is hosted by a centralized interface platform, the first network channel wallet is registered to a respective content consumer account associated with the interface platform, and the second network channel wallet is registered to a respective content creator account associated with the interface platform,
wherein each of the content consumer and the content creator accounts comprises user data accessible to the interface platform to authenticate the user and the association between the accounts and the respective network channel wallets, and
wherein the centralized interface platform interfaces between the content consumer and the content creator accounts and the respective first and second network channel wallet to facilitate interactions between the content consumer and the content creator via content channel, while allowing the centralized interface platform to manage any interactions between the first network channel wallet and second network channel wallet via the transaction network on behalf of the content consumer and the content creator;
causing, via the centralized interface platform and in response to the indication of the intent to pay by the user, funding of the first network channel wallet with the payment amount from a user crypto wallet;
causing, by the centralized interface platform, on behalf of the content consumer, and via the transaction network, a transaction that represents a transfer of the payment amount from the first network channel wallet to the second network channel wallet; and
updating, via the centralized interface platform and based on the transaction, at least one of the first network channel wallet or the second network channel wallet to reflect the transaction, including additional information related to the transaction and the content consumer.