Patent ID: 11875330
Assignee: PENNYPAY, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer-implemented method related to enabling tips 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 a web application, a tipping icon to be presented via a content channel, wherein the tipping 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 tipping icon and via the web application, output of one or more tipping options, each of the tipping options indicative of an amount from $0.01 to $3.00 including endpoints;
receiving, in response to selection of a select tipping option of the one or more tipping options, an indication of an intent to tip by a user, wherein the indication of the intent to tip comprises a micro-tipping tip amount, and wherein the tip amount is a micro-tipping amount from $0.01 to $3.00 including endpoints;
creating or identifying, in response to the indication of the intent to tip 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 layer two network of a blockchain network implementing a cryptocurrency protocol capable of transactions of 1 satoshi (0.00000001 BTC),
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,
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 blockchain 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 tip by the user, funding of the first network channel wallet with the micro-tipping amount from a user crypto wallet;
causing, by the centralized interface platform, on behalf of the content consumer, and via the layer two network, a transaction that represents a transfer of the micro-tipping amount from the first network channel wallet to the second network channel wallet;
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; and
upon exceeding a settlement threshold, automatically causing a transaction that represents a transfer of all funds in the second network channel wallet to a plurality of settlement crypto wallets, wherein the plurality of settlement crypto wallets comprise at least a content creator settlement wallet associated with the content creator, a web hosting wallet associated with a host of the web application, and an administrative wallet, and wherein the transfer of all funds in the second network channel wallet to a plurality of settlement crypto wallets is based on a rule set that indicates an allocation percentage of each of the plurality of settlement crypto wallets.