Visa International Service Association

Michael J Kearney

Jeffrey William Perlman

Gregory Kenneth Storey

Timothy M Lee

Methods and systems for performing micropayment transactions over communication networks is provided. These methods and systems enable ubiquitous micropayments by providing a seamless payment solution in which micropayment is one of a plurality of payments facilitated. In an embodiment, the transaction value may be compared to a predefined threshold, and processed as a micropayment if said value is less than said threshold, and otherwise processed using a second processing system. In another embodiment, the transaction may be processed as a micropayment if the payee has previously been verified by the micropayment processing system. In a third embodiment, the transaction takes place using the payee's website.

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Carindale, Australia

Michael J Kearney