U.S. patent application number 13/313383 was filed with the patent office on 2012-03-29 for method for providing donations to third parties during a financial transaction and tracking the details of the financial transactions for donation contributors and recipients.
Invention is credited to Alex Socolol, David Valin.
Application Number | 20120078762 13/313383 |
Document ID | / |
Family ID | 43381801 |
Filed Date | 2012-03-29 |
United States Patent
Application |
20120078762 |
Kind Code |
A1 |
Valin; David ; et
al. |
March 29, 2012 |
Method for Providing Donations to Third Parties During a Financial
Transaction and Tracking the Details of the Financial Transactions
For Donation Contributors and Recipients
Abstract
A method for embedding a socially conscious donation,
contribution, payment into a transaction at the point of sale or
purchase using any payment platform that accepts, debit, credit,
cash, financing, donations, contributions, financial service
transactions, etc. and facilitates, separates, and keeps track of
the process and the transaction, including the giveback. The system
and method also handles contributions to any beneficiary which
could be the person making the purchase or sale or barter. The
system and method utilizes a human key to make and take requests,
record payments, take and certify payments between a user or
plurality of users, a merchant/business, and a charity of
designated beneficiary. Whereby a set amount by the parties, user,
purchaser, seller, and beneficiary can be used for a donation,
contribution, or payment to a beneficiary determined at the point
of sale, purchase, or barter.
Inventors: |
Valin; David; (Flushing,
NY) ; Socolol; Alex; (Briarcliff Manor, NY) |
Family ID: |
43381801 |
Appl. No.: |
13/313383 |
Filed: |
December 7, 2011 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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12459353 |
Jun 29, 2009 |
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13313383 |
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Current U.S.
Class: |
705/30 |
Current CPC
Class: |
G06Q 30/0207 20130101;
G06Q 30/0231 20130101; G06Q 99/00 20130101; G06Q 30/0241 20130101;
G06Q 30/0276 20130101; G06Q 30/0273 20130101; G06Q 30/0214
20130101; G06Q 50/184 20130101; G06Q 40/12 20131203; G06Q 30/0239
20130101; G06Q 30/0226 20130101 |
Class at
Publication: |
705/30 |
International
Class: |
G06Q 40/00 20120101
G06Q040/00 |
Claims
1. A method for providing donations to third parties during a
financial transaction and tracking the details of the financial
transactions for donation contributors and recipients, executable
by a machine and rendered on the display of the machine, comprising
the steps of: registering one or more users; authenticating a user;
electing, by the user, how they want to pay a business and where
they want their payment to go; registering a business; electing, by
the business, how they want to receive payments; registering a
beneficiary; setting up a beneficiary account; electing, by the
beneficiary, how the beneficiary wants to accept contributions;
creating one or more campaigns for receipt of contributions;
executing a financial transaction; authorizing the transaction on a
machine display by the user; providing a payment module; recording
the financial transaction; tracking the transaction; registering
the transaction; recording the parties invested; recording the
amount involved; separating the contribution from the goods or
services purchased amount at the time of the transaction recording
the date and time, of the transaction; generating a receipt;
sending a receipt to each party involved in the transaction;
distributing the purchased amount to the seller; and distributing
then contribution amount to the beneficiary or adding the
contribution amount to a beneficiary account.
2. The method of claim 1 further comprising the steps of; creating
a human key that enables a user to verify themselves to another
user or the machine; and assigning a user a human key for future
authentication.
3. The method of claim 1 wherein, the money is donated by a user to
their local community, charity, campaign, themselves, or a third
party beneficiary
4. The method of claim 3 wherein, the third party beneficiary
includes loans, investments, gifts, payments, contributions, and
donations.
5. The method of claim 1 wherein, the receipt includes the names of
all parties to the transaction and the beneficiary involved in the
transaction.
6. The method of claim 1 wherein, the payment module tracks and
aggregates all transaction information; determines what part of the
transaction is tax deductible; stores all tax related information;
supplies receipts to all parties involved in the transaction; and
generate supporting tax documentation for all parties.
7. The method of claim 1 wherein, the seller designates which third
party beneficiary shares a portion of the transaction and how much
of the transaction will be shared.
8. The method of claim 1 wherein, the software file of the human
key enables a user to be verified and authenticated in a
transaction and also provides tracking of the financial transaction
by associating the transaction to one or more human keys which
identify and authenticate a user in the system.
9. The method of claim 1 wherein, the discount, rebate, or piece of
the transaction that the seller is willing to contribute or give
could go back to the purchasers designated account.
10. The method of claim 8 wherein, the designated account is either
an investment, college education fund, retirement account, savings
account, or to make payment for a loan or anything that has been
financed that requires a payment or installment.
11. The method of claim 1 wherein, the contributions are collected
and not dispersed; and the funds accumulated through the
contributions are used as leverage or collateral on a loan.
12. The method of claim 1 wherein, the accumulated contributions in
a beneficiary account are released to the beneficiary after a set
amount is obtained.
13. The method of claim 1 further comprising the step of assigning
a QR code to the campaign and the transactions.
14. The method of claim 12 wherein the human key is used for
identification and security of the transaction for recording,
tracking, authenticating, and certifying the transaction.
15. The method of claim 13, further comprising the steps of:
providing a form allowing users to request that a user participate
in a campaign; providing a proposal preview; providing a
description of the service or prices; providing information on how
to pay; stating who the proposal is from and what is needed;
sending out requests to users to participate using the form;
sending requests to users to designate their preferences where they
want the money to go the date by when it is needed, the location,
the date on which they will make a decision, and an image
option.
16. The method of claim 15, further comprising the steps of:
transforming requests into a campaign, advertisement, or deal to be
advertised or promoted, or publicized within or outside the system;
posting the campaign, advertisement, or deal on other people's
websites; and using the QR code to post the campaign,
advertisement, or deal on other people's websites by using link
code, QR barcodes, NFC or RFID embedded in a website for tracking
payments, view, and clicks.
17. The method of claim 15, further comprising the steps of:
sending requests via the form that asks another user for their best
price, service, and convenience terms; recording, transmitting, and
storing the best price, service, and convenience terms; asking a
user if they give back and the giveback terms; sending out requests
to a plurality of users that may want to respond; tracking all
responses; and allowing users to lock in the best price, service,
and convenience terms.
18. The method of claim 17, further comprising the steps of:
requesting financing terms from a plurality of users that may be
interested in the transaction based on the give back terms;
matching buyers and sellers by what the seller is willing to
contribute to the transaction; storing the givebacks and credits
until it accumulates to a designated amount; and transferring the
accumulated giveback to the beneficiary which a user has
chosen.
19. The method of claim 1, further comprising the steps of:
establishing a self-supported campaign by a user; automatically
taking a small amount of currency during a financial transaction
for purchases; storing the accumulated currency for a period of
time until it accumulates to a given amount; and automatically
making a pre-defined purchase.
20. The method of claim 1, further comprising the steps of:
establishing a campaign by a user; automatically taking a small
amount of currency during a financial transaction for donation to
the campaign; storing the accumulated currency until a
predetermined amount is reached; contacting the campaign when the
predetermined amount is reached; sending the accumulated currency
to the campaign beneficiary; generating a deduction receipt; and
delivering the deduction receipt to the user for tax deduction
purposes.
21. The method of claim 1, further comprising the steps of:
establishing a self-supported campaign for product and service
sales with payments until a payment goal is reached by a user;
automatically taking a small amount of currency during a financial
transaction for purchases; using the accumulated currency to make
payments until the payment goal is reached; and receiving the
product or service when the payment goal is reached.
22. The method of claim 1, further comprising the steps of:
identifying tax deductible charities for the purpose of assisting
in deductible donations by the user or business; maintaining a
database of identified tax deductible charities; and tracking all
transactions and payments made in the system to identified tax
deductible charities.
Description
CROSS REFERENCE TO RELATED APPLICATIONS
[0001] This application claims priority from and is a continuation
in part of U.S. patent application Ser. No. 12/459,353, entitled
"Method and mechanism for protection, sharing, storage, accessing,
authentication, certification, attachment and tracking anything in
an electronic network", filed on Jun. 29, 2009, which is
incorporated by reference in its entirety for all purposes as if
fully set forth herein.
SEQUENCE LISTING OR PROGRAM
[0002] Not Applicable
FEDERALLY SPONSORED RESEARCH
[0003] Not Applicable
TECHNICAL FIELD OF THE INVENTION
[0004] The present invention generally relates to the field of data
processing systems. More specifically the present invention relates
to providing financial donations to third parties and tracking the
financial details of the transactions.
BACKGROUND OF THE INVENTION
[0005] In an effort to support communities and garner positive
public opinion, many companies are offering consumer the ability to
donate money during a point of sale transaction. In an effort to
increase donations, many charities are partnering with companies
offering point of sale donations. From home supplies to fast food,
consumers, when paying with a credit/debit card have the ability to
donate some amount of money, typically a dollar, to a charity
through their purchase of product or services with a company.
Additionally, online transaction companies also enable Charities to
establish accounts and incorporate electronic donation buttons that
allow website users to visit their website or third party websites
and donate money directly to the charity via the transaction
system. Finally, credit card companies allow users to donate their
accumulated reward points and donate them to a charity of choice
where the reward points are converted into a monetary amount for
donation to the charity.
[0006] Unfortunately, many consumers dislike constantly being asked
to donate to a charity while making purchases and many consumers
feel a disconnect between the company requesting the donation and
the charity in which they support. Many of the larger corporations
provide these transaction donation services in support of larger,
national, or multi-national charities.
[0007] What is missing is a method and process for creating local
campaigns and presenting consumers with a less invasive means for
purchasing products or supporting retailers and other merchants who
are working directly, at the local level, to support charities or
projects where the customer is not making a separate donation, but
is purchasing a service or product where part of the price is
specifically set aside for supporting a specific charity or
event.
[0008] Additionally, many consumers dislike not being able to track
or keep track of the success of a project or charity to which they
have donated. What is need is a system that provides for making a
donation during a financial transaction where the details of the
transaction are tracked and can be reviewed.
[0009] The present invention teaches a method for providing
donations to third parties during a financial transaction and
tracking the details of the financial transactions for donation,
contributors, and recipients.
DEFINITIONS
[0010] A "human key" is a software identification file that enables
a user to verify themselves to another user or a computer system.
The software file of the human key enables a user to be verified
and/or authenticated in a transaction and also provides tracking of
the financial transaction by associating the transaction to one or
more human keys which identify and authenticate a user in the
system.
[0011] A "QR Code", abbreviated from and also know as "Quick
Response Code", is defined as a type of matrix barcode, or
two-dimensional code, used for commercial tracking, entertainment
and transport ticketing, product marketing, and in-store product
labeling.
[0012] A "software application" is a program or group of programs
designed for end users. Application software can be divided into
two general classes: systems software and applications software.
Systems software consists of low-level programs that interact with
the computer at a very basic level. This includes operating
systems, compilers, and utilities for managing computer resources.
In contrast, applications software (also called end-user programs)
includes database programs, word processors, and spreadsheets.
Figuratively speaking, applications software sits on top of systems
software because it is unable to run without the operating system
and system utilities.
[0013] A "software module" is a file that contains instructions.
"Module" implies a single executable file that is only a part of
the application, such as a DLL. When referring to an entire
program, the terms "application" and "software program" are
typically used.
[0014] A "software application module" is a program or group of
programs designed for end users that contains one or more files
that contains instructions to be executed by a computer or other
equivalent device.
[0015] A "website", also written as Web site, web site, or simply
site, is a collection of related web pages containing images,
videos or other digital assets. A website is hosted on at least one
web server, accessible via a network such as the Internet or a
private local area network through an Internet address known as a
Uniform Resource Locator (URL). All publicly accessible websites
collectively constitute the World Wide Web.
[0016] A "web page", also written as webpage is a document,
typically written in plain text interspersed with formatting
instructions of Hypertext Markup Language (HTML, XHTML). A web page
may incorporate elements from other websites with suitable markup
anchors.
[0017] Web pages are accessed and transported with the Hypertext
Transfer Protocol (HTTP), which may optionally employ encryption
(HTTP Secure, HTTPS) to provide security and privacy for the user
of the web page content. The user's application, often a web
browser displayed on a computer, renders the page content according
to its HTML markup instructions onto a display terminal. The pages
of a website can usually be accessed from a simple Uniform Resource
Locator (URL) called the homepage. The URLs of the pages organize
them into a hierarchy, although hyperlinking between them conveys
the reader's perceived site structure and guides the reader's
navigation of the site.
[0018] A "mobile device" is a generic term used to refer to a
variety of devices that allow people to access data and information
from where ever they are. This includes cell phones and other
portable devices such as, but not limited to, PDAs, Pads,
smartphones, and laptop computers.
[0019] "NFC" is an acronym for "Near Field Communication" which
allows for simplified transactions, data exchange, and wireless
connections between two devices in proximity to each other, usually
by no more than a few centimeters. NFC is expected to become a
widely used system for making payments by smartphone in the United
States. Many smartphones currently on the market already contain
embedded NFC chips that can send encrypted data a short distance
("near field") to a reader located, for instance, next to a retail
cash register. Shoppers who have their credit card information
stored in their NFC smartphones can pay for purchases by waving
their smartphones near or tapping them on the reader, rather than
using the actual credit card.
[0020] "Social network sites" are web-based services that allow
individuals to (1) construct a public or semi-public profile within
a bounded system, (2) articulate a list of other users with whom
they share a connection, and (3) view and traverse their list of
connections and those made by others within the system. The nature
and nomenclature of these connections may vary from site to site.
While we use the terms "social network", "social network pages",
and "social network site" to describe this phenomenon, the term
"social networking sites" also appears in public discourse, and the
variation of terms are often used interchangeably.
SUMMARY OF THE INVENTION
[0021] The present invention teaches embedding a socially conscious
donation, contribution, payment into a transaction at the point of
sale or purchase using any payment platform that accepts, debit,
credit, cash, financing, donations, contributions, financial
service transactions, etc. and facilitates, separates, and keeps
track of the process and the transaction, including the giveback.
The system and method also handles contributions to any beneficiary
with could be the person making the purchase or sale or barter. The
system and method utilizes a human key to make and take requests,
record payments, take and certify payments between a user or
plurality of users, a merchant/business, and a charity or
designated beneficiary. A set amount of the transaction can be set
aside by the parties, user, purchaser, seller, and beneficiary to
be used for a donation, contribution, or payment to a beneficiary
at the point of sale, purchase, or barter.
BRIEF DESCRIPTION OF THE DRAWINGS
[0022] The accompanying drawings, which are incorporated in and
constitute a part of this specification exemplify the embodiments
of the present invention and, together with the description, serve
to explain and illustrate principles of the inventive technique.
Specifically:
[0023] FIG. 1 is a flow chart illustrating the payment module and
user connectivity of the method of the present invention;
[0024] FIG. 2 is a flow chart illustrating the computerized process
takes place at the time of the payment and or transaction;
[0025] FIG. 3 is a simulated smart phone application which
illustrates the method as practiced on a machine;
[0026] FIG. 4 is a simulated website form which illustrates the
method as practiced on a machine;
[0027] FIG. 5 is a flow chart illustrating the method of the
present invention for a transaction;
[0028] FIG. 6 is a flow chart illustrating the interaction between
consumers, charities, and business with the payment module
connected to the human key of the present invention;
[0029] FIG. 7 is a flow chart illustrating the method as applied to
a 501c3 charity;
[0030] FIG. 8 is a flow chart illustrating the method of the
payment delivery and management transaction module of the present
invention; and
[0031] FIG. 9 is a series of simulated websites showing the use of
the QR codes and the payment module connected to the human key.
DETAILED DESCRIPTION OF THE INVENTION
[0032] In the following detailed description, reference will be
made to the accompanying drawing(s), in which identical functional
elements are designated with like numerals. The aforementioned
accompanying drawings show by way of illustration, and not by way
of limitation, specific embodiments and implementations consistent
with principles of the present invention. These implementations are
described in sufficient detail to enable those skilled in the art
to practice the invention and it is to be understood that other
implementations may be utilized and that structural changes and/or
substitutions of various elements may be made without departing
from the scope and spirit of present invention. The following
detailed description is, therefore, not to be construed in a
limited sense. Additionally, the various embodiments of the
invention as described may be implemented in the form of a software
running on a general purpose computer, in the form of a specialized
hardware, or combination of software and hardware.
[0033] The method of the present invention is embodied by a
software program containing executable instruction of the method
and/or process claimed by the present invention. The software
program embodying the present invention is executable on a
particular machine or apparatus. "Particular machine" or
"apparatus" is defined as a desktop computer, laptop computer,
personal data assistance (PDA), IPAD, tablets, table computers,
IPHONE, mobile phone, smart phone, or any other equivalent
electronic device which is capable of running a set of executable
instructions embodied by software and providing a display of the
result of those instructions. These electronic devices used to
define a particular machine or apparatus function tie the method of
the present invention to a particular machine or apparatus. The
present invention is a method and payment process that uses a
computer or mobile device to make or request, and to take or
fulfill requests, of socially conscious donations for connecting
users, businesses and charities together.
[0034] The present is directed to the giving of a contribution,
donation, or payment to a third party beneficiary at the point of
purchase, sale, or barter using a human key to allow the purchases
and or seller to designate where a portion of the transaction goes
(third party beneficiary). The "human key" is a software
identification file that enables a user to verify themselves to
another user or a computer system. The software file of the human
key enables a user to be verified and/or authenticated in a
transaction and also provides tracking of the financial transaction
by associating the transaction to one or more human keys which
identify and authenticate a user in the system.
[0035] The purpose of the present invention is to embed the giving
or directing of a piece of the transaction to a designated
beneficiary. For example, this method could be used for a socially
conscious purpose, a sole entity, charity, campaign, or even into
the purchasers account. In essence, if a purchase is being made,
the discount, rebate, or piece of the transaction that the seller
is willing to contribute or give could go back to the purchasers
designated account or into a special account such as a college
education fund, retirement account, Christmas account, family trip,
or to make payment for a mortgage, loan, auto, installment, or
anything that has been financed that requires a payment. The money
can also be able to go into an investment, group investment, loan,
or group loan.
[0036] Now referring to FIG. 1, a computer system with a payment
module connected to a human key 101 would keep track of the process
where a user registers their preferences for where they want the
money to go 102, such as their local community, charity, campaign,
themselves, or whoever the beneficiary is and include loans,
investments, gifts, and or payments, contributions, and donations.
A charity registers with the computer system and chooses how they
want to pay businesses and how they want to accept payments 103.
Businesses register with the computer system and choose how they
want to accept payments, and how they want to pay other businesses
104.
[0037] The computerized process takes place at the time of the
payment and or transaction, although transactions can occur online
or offline. The user or consumer making the payment would authorize
the transaction on a computer screen, terminal, payment platform,
credit/debit module, any payment process connected to a networked
computer terminal, display screen or electronic payment platform
system so the system is recording the transaction. Now referring to
FIG. 2, the system records the transaction 200 by tracking the
transaction 201, registering the transaction 202, including the
parties invested 203, the amount involved 204, and separating the
contribution, gift, donation, payment, etc. 205 from the goods or
services purchased amount 206 at the time of the transaction with a
date, time, and place receipt 207 generated to all parties, which
typically includes the user/customer 208, seller/business 209, and
charity/beneficiary 210 involved in the transaction 200.
[0038] The computer system keeps track of and aggregate all
transaction information including what may be tax deductible 211 in
the transaction to the customer/buyer 208, seller/business 209, and
charity/beneficiary 210. The system will hold the information and
supply receipts to all parties involved. The system will also
generate supporting tax documentation for all parties.
[0039] These contributions/deductions embedded into transactions
online and offline at points of purchase, sales, and barters should
provide for contributions, donations, and payments toward loans,
payments toward equity, payments toward credit or debit cards,
credits towards making more purchases (rewards programs), savings
accounts, financial service transactions or go into an investment
pool/account that could be leveraged to make loans, adding
additional interest to the portfolio and or equity to the
portfolio.
[0040] For example, if a school in a local community needs a new
building, and enough people in a community designate their
contribution to go to that school and that project, then when
$100,000 or one million come in, they would use the funds to borrow
ten times that amount from a bank and not need to do a bond issue.
This is a new financing technique created and supported by the
present invention.
[0041] As shown in FIG. 2, the system embodying the method would
separate the money to be donated, contributed, loaned, etc at the
time of the transaction so the merchant/business would not be
burdened with the paperwork and fulfillment of the transaction. The
system aggregates this information and provides receipts to all
parties for the transaction. The system would allow for a group or
plurality of people to do this together or as individuals. The
system would assign a QR code to the deal and the transactions.
This QR code might be the receipt. The system would use the human
key for identification and security of the transaction for
recording, tracking, authenticating, and certifying the
transaction. The system would connect users, businesses, and
charities together including those in need with those who can
give.
[0042] Now referring to FIG. 3, a simulated smart phone application
is shown for enabling a user to start a campaign. The smart phone
display 301 provides input means where a user can elected to list
donate by first selecting how they want to pay 302, selecting what
they want to do from a drop down list 303, selecting when they
would like it to occur from a drop down calendar 304, entering
their zip code 305, selecting when they will make a decision from a
drop down calendar 306, selecting who they want to donate to from a
drop down list of campaigns, charities, or by entering a specific
user 307. A user can also enter an image 308, browse campaigns,
charities, and users 309, or submit their donation 310.
[0043] The system would incorporate search, including local zip
code search to help benefit local communities. The search would
encompass all users that need money with the merchants and business
users offering deals or are willing to give a piece of the
transaction to a designated beneficiary. So, if someone wants to
buy something, they can browse and sort by what they want and those
merchants who are offering to give something back.
[0044] In another embodiment, the present invention is incorporated
into auctions.
[0045] In yet another embodiment, the machines enabling the
execution of the method of the present invention and running the
software which embodies it are computers, smart phones, tablets,
and other smart mobile devices or mobile computing devices.
[0046] Now referring to FIG. 4, the system allows users, using a
form 400 to request that a merchant, vendor, or user participate,
such as sign up to offer deals by providing a proposal preview 406,
a description of the service or prices 407, and information on how
to pay 408, who the proposal if from 409, and what is needed 410.
The system then sends out requests to individuals and merchants to
participate using the form 400. The system sends requests to users
to designate their preferences where they want the money to go 401,
that date by when it is needed 402, the location 403, that date on
which they will make a decision 404, and an image option 405.
[0047] The system allows users to request a sponsor, request a
need, request a charity, request an advertiser and the system turns
these requests into a campaign, advertisement, or deal to be
advertised or promoted, or publicized within or outside the system
and as disclosed in the parent patent, these ads, campaigns, and
deals can be posted on other people's websites, inside or outside
the network by using the QR code to put it on someone else's site
in an affiliate marketing manner by using link code 903 embedded in
a website 901 for tracking payments, view, and clicks or QR codes
barcodes, NFS, or RFID 904 for tacking of payment transactions in a
website 902 as shown in FIG. 9
[0048] Now referring to FIG. 5, the system allows users to send
requests 501 via the form 400 that asks another user, merchant, or
business for their best price, service, and convenience terms. The
system records, transmits, and stores that information 502. The
system can also ask them if they give back and what the giveback is
503. The system sends out requests to a plurality of vendors that
may want to respond 504 and the system tracks all responses 505.
The system allows users to lock in the best offer, buy, sell, or
barter 506 and allows users to request financing terms from a
plurality of vendors that may be interested in the transaction
including the give back terms and deals 507. The system stores the
givebacks and credits until it accumulates to a designated amount
508, then transfers it to the beneficiary which as user has chosen
509. Buyers and sellers are matched by what the seller is willing
to contribute to the transaction. In essence, the business is
subsidizing the discount, give back, donation, or contribution to
the beneficiary.
[0049] Now referring to FIG. 6, one example of the method is shown
for a situation where during a financial transaction, the system
automatically takes a small amount of currency for purchases and
stores them for a period of time until it accumulates to a given
amount, and then it releases the accumulated amount for purchases
600. A consumer chooses to have the payment module connected to the
human key 602 deduct small payments from their bank account for
payment to their campaign so that when their campaign gets the
desired amount to buy something it is automatically purchases 601.
A charity chooses to have the payment module connected to the human
key 602 track the receipt of small donations payments and when the
charity gets the desired campaign amount they contact the campaign
and a deduction receipt is automatically emailed and provided to
the user so they can get the deduction 601. A business uses the
payment module connected to the human key 602 to establish
campaigns for product and service sales with payments until
fulfilled, then a user gets the product and service delivered or
rendered 604.
[0050] Now referring to FIG. 7, the system identifies legitimate
501c3 charities 705 for the purpose of assisting in deductible
donations by the user 706 or business 707. The system server 701
stores 501c3 information in a database 702. A payment and delivery
payment module tracks all transactions and payments made in the
system 703. A payment module connected to the human key 704
delivers information to the system users, consumers, charities, and
businesses, to authenticate the users in the system.
[0051] The payment delivery and transaction module 800 stores
credit card 801, debit card 802, Near Field Communication 803, and
check or cash 804 information that is authorized by the human key
for a debit transaction 805. The system processes the debit
transaction 806, post the debit to an account 807, calculates the
fees that go to the administration and beneficiary 808, and then
confirm that the funds are available 809. If the funds are not
available, the transaction is cancelled 810. If the funds are
available, the funds are transferred 811, and the transaction is
recorded and sent to the beneficiary 812 and administrator 813. The
administrator 813 is the manager of the website, owner of the
business entity, or representative of the owners of the business
entity. "Admin" is a nickname for the manager, owner, or authorized
representative of the business entity, in this case it would be the
administrator bank account.
[0052] Moreover, other implementations of the invention will be
apparent to those skilled in the art from consideration of the
specification and practice of the invention disclosed herein.
Various aspects and/or components of the described embodiments may
be used individually or in any combination in the computerized
content filtering system. It is intended that the specification and
examples be considered as exemplary only, with a true scope and
spirit of the invention being indicated by the following
claims.
[0053] Although the present invention has been described in
considerable detail with reference to certain preferred versions
thereof, other versions are possible. Therefore, the point and
scope of the appended claims should not be limited to the
description of the preferred versions contained herein.
[0054] As to a further discussion of the manner of usage and
operation of the present invention, the same should be apparent
from the above description. Accordingly, no further discussion
relating to the manner of usage and operation will be provided.
[0055] With respect to the above description, it is to be realized
that the optimum dimensional relationships for the parts of the
invention, to include variations in size, materials, shape, form,
function and manner of operation, assembly and use, are deemed
readily apparent and obvious to one skilled in the art, and all
equivalent relationships to those illustrated in the drawings and
described in the specification are intended to be encompassed by
the present invention.
[0056] Therefore, the foregoing is considered as illustrative only
of the principles of the invention. Further, since numerous
modifications and changes will readily occur to those skilled in
the art, it is not desired to limit the invention to the exact
construction and operation shown and described, and accordingly,
all suitable modifications and equivalents may be resorted to,
falling within the scope of the invention.
* * * * *