Patent ID: 7702584

Claim:
A system to facilitate micropayments between a plurality of parties, the system including: a register module to: register a first plurality of payment commitments made by a first party within a database, the first plurality of payment commitments: contributing towards a total commitment payable value for the first party; and made by the first party to a plurality of payee parties; and register a second plurality of payment commitments made to a second party within the database, the second plurality of payment commitments: contributing towards a total commitment receivable value for the second party; and made by a plurality of payor parties to the second party; a calculation module to retrieve a risk indication from the database and to calculate a total commitment receivable value for the second party utilizing the risk indication, the risk indication being based on reputation information associated with at least one of the first party or the second party; and a payment application module to; identify the total commitment receivable value for the second party as being satisfiable by the total commitment payable value for the first party and, responsive to the determination, initiate a payment process for payment of the total commitment receivable value, by the first party to the second party.