Patent ID: 8429069

Claim:
A computer-implemented method for processing microtransactions, the method comprising: receiving, by at least one processor, a request from a customer for an attempted transaction with a merchant, the request comprising identifying information associated with a transaction account and a transaction amount, the transaction account provided by a payment enabler; classifying, by at least one processor, the attempted transaction as a microtransaction if the transaction amount is below a predetermined monetary amount, and otherwise classifying the attempted transaction as a non-microtransaction; submitting, via a communication interface, the transaction request for authorization by the payment enabler according to a first protocol for non-microtransactions, if the attempted transaction is a non-microtransaction; determining, by at least one processor, an authorization requirement for the customer, and if the authorization requirement indicates no authorization needed, approving the attempted transaction without submitting the transaction request for further authorization by the payment enabler, otherwise, submitting the transaction request for authorization by the payment enabler according to either a second protocol for microtransactions or the first protocol for non-microtransactions.