Concept: Session-Based Payment
Goal
Enable users to access paid digital content across multiple partner websites through short-term “usage sessions”, allowing small, frictionless commitments that are settled later in a single transaction.
Actors
| Role | Description |
|---|---|
| User | A person who starts a session via first commitment. |
| Operator | Implementator— manages sessions, settlements, and payments. |
| Partner | A website or publisher offering paid digital content. |
| Bank | Any bank used by the user to complete the settlement payment. |
Key Terms
| Term | Definition |
|---|---|
| Session | A temporary window (e.g., a few days) during which a user can make multiple commitments. |
| Commitment | A declaration by the user to pay for access to specific partner content during a session. |
| Settle | The process triggered by the Operator to aggregate all commitments from a session. |
| Report | A detailed summary of all user commitments within a session. |
| Payment | The user’s transfer (via bank) to the Operator after settlement. |
| Payout | Funds transferred by the Operator to partners after receiving user payment. |
Schema
We implement this standard in Poland as GetViaMsg service.