Abstract: A method whereby a user is granted access to a digital content distribution platform subsequent to the user downloading a computer application onto a client device. Granting access includes providing the user with a line-of-credit usable by the user to access digital content files from the digital content distribution platform. The method includes receiving, from the client device, a user interaction with a social networking platform and increasing the line-of-credit as a function of the user's interaction with the social networking platform. The method includes receiving, from the user, a selection of a digital content file located on the digital content distribution platform and providing the user with access to the selected digital content file if a limit of the line-of-credit exceeds an associated cost of the selected digital content file, and then decreasing the line-of-credit by at least a portion of the line-of-credit.

Abstract: A method for using a line-of-credit digital content distribution platform is disclosed. The method includes receiving, from a user computing device, a request for initial access of a user to a digital content distribution platform, granting access to the digital content distribution platform based upon the request for initial access, providing the user with a line-of-credit usable by the user, wherein the line-of-credit includes a digital credit, providing an introductory digital credit to the user, receiving, from the user, an activity completed on the digital content distribution platform for the digital credit and increasing the line-of-credit as a function of the activity completed by the user.

Abstract: A method for access to a digital content distribution platform includes receiving a request for initial access of a user and granting access to the digital content distribution platform based upon the request for initial access. Granting access includes providing the user with a line-of-credit configured to renew at least a portion of the line of credit when a debt accrued in the line-of-credit is satisfied. The method includes receiving a selection of a digital content file and providing the user with access to the selected digital content file in exchange for the payment from the line-of-credit. The method includes incorporating an interactive advertisement into the selected digital content file according to a parameter associated with the user with the interactive advertisement configured to receive an interaction. The method includes renewing, in response to the interaction, at least a portion of the line of credit.

Abstract: A method for access to a digital content distribution platform includes receiving a request for initial access of a user and granting access to the digital content distribution platform based upon the request for initial access. Granting access includes providing the user with a line-of-credit configured to renew at least a portion of the line of credit when a debt accrued in the line-of-credit is satisfied. The method includes receiving a selection of a digital content file and providing the user with access to the selected digital content file in exchange for the payment from the line-of-credit. The method includes incorporating an interactive advertisement into the selected digital content file according to a parameter associated with the user with the interactive advertisement configured to receive an interaction. The method includes renewing, in response to the interaction, at least a portion of the line of credit.

Abstract: A method for access to a digital content distribution platform includes receiving a request for initial access of a user and granting access to the digital content distribution platform based upon the request for initial access. Granting access includes providing the user with a line-of-credit configured to renew at least a portion of the line of credit when a debt accrued in the line-of-credit is satisfied. The method includes receiving a selection of a digital content file and providing the user with access to the selected digital content file in exchange for the payment from the line-of-credit. The method includes incorporating an interactive advertisement into the selected digital content file according to a parameter associated with the user with the interactive advertisement configured to receive an interaction. The method includes renewing, in response to the interaction, at least a portion of the line of credit.

Abstract: A method for access to a digital content distribution platform includes receiving a request for initial access of a user and granting access to the digital content distribution platform based upon the request for initial access. Granting access includes providing the user with a line-of-credit configured to renew at least a portion of the line of credit when a debt accrued in the line-of-credit is satisfied. The method includes receiving a selection of a digital content file and providing the user with access to the selected digital content file in exchange for the payment from the line-of-credit. The method includes incorporating an interactive advertisement into the selected digital content file according to a parameter associated with the user with the interactive advertisement configured to receive an interaction. The method includes renewing, in response to the interaction, at least a portion of the line of credit.

Abstract: A line-of-credit digital content application platform is provided, including a system and method for providing a digital content distribution platform, said digital content distribution platform configured to transmit digital content across a network; receiving from a user of the digital content distribution system a request for a membership account with the digital content distribution system; creating the membership account corresponding to the user; providing the user, prior to receiving payment or credit from the user, with a line-of-credit, said line-of-credit usable by the user to purchase access to digital content from the digital content distribution system; receiving from the user a purchase selection, whereby the user purchases access to digital content from the digital content distribution system in exchange for payment from the line-of-credit; and providing the user with access, across the network to a user device, to digital content from the digital content distribution system in exchange for the

Abstract: A computer-implemented method and related system controls access to protected content with certificate-based access authorization. Protected content stored in a memory of a computer is enciphered using a content key to produce a quantity of enciphered, protected content, wherein the content key is derived from a content encryption algorithm. A user key is derived from user credentials using a credential encryption algorithm. The content key is enciphered with the user key using a content key encryption algorithm to produce a certificate, wherein the certificate contains the enciphered content key. Access to the protected content is controlled by the user credentials and the certificate containing a second enciphered content key. A decryption user key is generated and access authorization to the protected content is determined based on the decryption user key in response to a match of the decryption user key with the user key.

Abstract: A computer-implemented method and related system controls access to protected content with certificate-based access authorization. Protected content stored in a memory of a computer is enciphered using a content key to produce a quantity of enciphered, protected content, wherein the content key is derived from a content encryption algorithm. A user key is derived from user credentials using a credential encryption algorithm. The content key is enciphered with the user key using a content key encryption algorithm to produce a certificate, wherein the certificate contains the enciphered content key. Access to the protected content is controlled by the user credentials and the certificate containing a second enciphered content key. A decryption user key is generated and access authorization to the protected content is determined based on the decryption user key in response to a match of the decryption user key with the user key.

Abstract: A general feature of the present invention is to provide a dual authorizing system and method to prevent fraudulent use of credit cards and E-signature. To do so, a third party verifier is provided to ensure that the rightful owner of the credit card or E-signature approves of the transaction before the purchase is completed between the merchant and the credit card user. This is accomplished by linking the owner's Internet address or addresses or other communication device address to the credit card number, and storing this information with the third party verifier, such as an Authorization agent. Once the card is used to make a purchase, the Authorization agent is notified of the purchase. The Authorization agent then pulls the corresponding Internet address or communication address for the credit card number, then sends an approval request message to the owner at the owner's Internet address or communication device.