Tom Crowl

Los Angeles, California, US

Tom's Skills
Business Development
Product Management

Startup Experience

First time founder

About Tom

One-click Micropayment Capability for Volume Solicitations

This is a method for making a one-click micropayment capability (e.g. less than $1) available via multiple avenues (e.g. web, mobile, email)… and multiple payment providers… yet can be authorized via the single input vehicle required by the soliciting side.

This essential form of micropayment (and its very low threshold for click through) has special utility in charity, journalism, advocacy and entertainment. And is a tool which once available will eventually be used by all at least occasionally.

While I’ve previously addressed how this can be viably accomplished for a single Internet wallet
(see for demo and link to patent)…

in this model the key is the creation of a repository for certain user information which also acts as a conveyor of decision for its users within the narrowly defined boundaries of its charter… along with its relationships to the various providers that are part of its network.

As in the model for how a single provider could offer the capability... Its essence is that the user’s information and instructions are kept separate from the funds. Except in this configuration the separation is complete... with the Chagora network's function being limited to acting as a holder of certain user information... and offering a pathway for users' instructions.... but not holding or transferring funds itself.

This is done by building a decision pathway outside the 'user/provider' relationship... with the Chagora button acting as a User's authorized agent for a transfer from payer to recipient.*

The biggest changes to the model involve how incurred transaction charges are handled... and how recipient transaction charges and fees are distributed.

This model also suggests that Providers can be induced to abandon fixed transaction charges (but not the profit potential) on a very small and clearly defined portion of their users' transactions... and see that they should not do this unilaterally... but only in connection with this network... and that its to their benefit to do it this way.

The Process:
1. User joins a payment provider part of the Chagora network
2. User opts-in to Chagora network participation via his/her payment provider
3. User sets default card for Chagora transactions (if user has more than one provider that is part of this network)
4. User allows limited access by Chagora to his/her account for certain information and for payment on his/her Chagora button authorizations
5. Provider receives demand from Chagora on behalf of the recipient contracting with it for the relevant solicitation... and based on Users' authorizations via Chagora button
6. Provider pays recipient directly for authorizations made via that provider's users... less fees charged
7. Transfers of funds between payment provider, volume recipient and Chagora as determined by any existing agreements involving the parties

Represented by Perkins Coie


san jose state university

BA Cultural Anthropology

1973 - 1973


Patent #7,870,067 granted January 11, 2011