Patent ID: 8219689

Claim:
A computer-implemented method of connecting two parties over an online chat in real time, the method comprising: having one or more Agents creating an associated selected plurality of one or more Service Providers; enabling the Agents to integrate their selected plurality of Service Providers into their own specialized websites for browsing by a User; having a User initiate a contact with a Service Provider via an Agent's specialized website; submitting an online chat session invitation by the User to the Service Provider; initiating a pre-recorded phone alert if the Service Provider has opted to get a phone alert when a new chat invitation is received; and connecting the User to an online chat session with the Service Provider, if the Service Provider is available and accepts the online chat session invitation; after a first pre-determined period of time, extracting in real-time, account balance of the User from a System Database; extracting Service Provider per minute compensation rate from the System Database; dividing the User account balance total by the Service provider per minute compensation rate; determining total minutes the User can connect to the Service provider until the User's account balance is depleted; displaying this information to the User textually in a pop-up window upon the User connecting to the Service provider; and displaying a graphical timer in the pop-up window, a countdown of the minutes remaining for the User to be connected to the Service provider and automatically terminating the online chat session or prompting said User to add more funds to said User account for continuing the online chat session; otherwise, prompting the User to enter a chat back request or to create and send an email to the Service Provider, if the Service Provider is unavailable or busy.