DLT-based private business hub system having a paychat platform

A method for implementing a chat room platform comprising:

• establishing, using a distributed ledger technology (DLT)-based private business hub system, the chat room platform with structured multiple communication tiers having varying degrees of exclusivity, wherein the structured multiple communications tiers further comprise at least a personal chat tier for exchanging one-to-one personal chats using personal information and having a first degree of exclusivity, a business chat tier for exchanging one-to-one business chats using business information but void of any personal information and having a second degree of exclusivity, and a paychat tier for exchanging a first paychat type directed to one-to-one paychats or a second paychat type directed to one-to-many paychats using the business information and having a third degree of exclusivity;
• establishing, by the DLT-based private business hub system, a first plurality of electronic business cards, each electronic business card of the first plurality of business cards being specific to a respective one user of a plurality of users and a respective one channel of a plurality of channels, the respective one channel being associated with the respective one user and established by the respective one user as a specific channel for each chat thread they wish to engage with others with respect to a defined domain, and wherein each electronic business card of the first plurality of business cards is required for use by a plurality of chat initiating parties as an access token for triggering and engaging in a first paychat session with the respective one user specific thereto on the chat room platform and the first paychat session is viewable by each chat initiating party of the plurality of chat initiating parties whether or not they were the originating chat initiating party of the first paychat session, and wherein each electronic business card of the first plurality of electronic business cards includes information specific to the respective one user associated therewith comprising at least a name and a scannable identification code configured solely for use with a particular one channel of the plurality of channels but is void of any physical address, electronic mail address, and telephone number associated with the respective one user;
• receiving, by the DLT-based private business hub system, from a user device associated with a particular one chat initiating party of the plurality of chat initiating parties, a request to initiate the first paychat session on the chat room platform with a particular one respective user of the plurality of users using the electronic business card of the first plurality of business cards specific thereto;
• initiating, by the DLT-based private business hub system, the first paychat session between the particular one chat initiating party and the particular one respective user on the chat room platform;
• providing, by the DLT-based private business hub system using a private DLT, a plurality of digital wallets, each digital wallet of the plurality of wallets being specific to either one of the plurality of users or one of the plurality of chat initiating parties;
• providing a real-time variable rate control mechanism for use by the particular one respective user in adjusting a variable payment rate for at least a first business paychat payment during the first paychat session;
• and
• transferring, by the DLT-based private business hub system using the private DLT, the first business paychat payment from the digital wallet specific to the particular one chat initiating party to the digital wallet specific to the particular one respective user using a cryptocurrency in response to the initiation of the first paychat session.

A method for implementing a chat room platform comprising:

• establishing, using a distributed ledger technology (DLT)-based private business hub system, the chat room platform with structured multiple communication tiers having varying degrees of exclusivity, wherein the structured multiple communications tiers further comprise at least a personal chat tier for exchanging one-to-one personal chats using personal information and having a first degree of exclusivity, a business chat tier for exchanging one-to-one business chats using business information but void of any personal information and having a second degree of exclusivity, and a paychat tier for exchanging a first paychat type directed to one-to-one paychats or a second paychat type directed to one-to-many paychats using the business information and having a third degree of exclusivity;
• establishing, by the DLT-based private business hub system, a first plurality of electronic business cards, each electronic business card of the first plurality of business cards being specific to the first paychat type, a respective one user of a plurality of users and a respective one channel of a plurality of channels, the respective one channel being associated with the respective one user and established by the respective one user as a specific channel for each chat thread they wish to engage with others with respect to a defined domain, and wherein each electronic business card of the first plurality of business cards is required for use by a plurality of chat initiating parties as an access token for triggering and engaging in a first paychat session with the respective one user specific thereto on the chat room platform and the first paychat session is viewable by each chat initiating party of the plurality of chat initiating parties whether or not they were the originating chat initiating party of the first paychat session, and wherein each electronic business card of the first plurality of electronic business cards includes information specific to the respective one user associated therewith comprising at least a name and a scannable identification code configured solely for use with a particular one channel of the plurality of channels but is void of any physical address, electronic mail address, and telephone number associated with the respective one user;
• receiving, by the DLT-based private business hub system, from a user device associated with a particular one chat initiating party of the plurality of chat initiating parties, a request to initiate the first paychat session on the chat room platform with a particular one respective user of the plurality of users using the electronic business card of the first plurality of business cards specific thereto;
• initiating, by the DLT-based private business hub system, the first paychat session between the particular one chat initiating party and the particular one respective user on the chat room platform;
• providing, by the DLT-based private business hub system using a private DLT, a plurality of digital wallets, each digital wallet of the plurality of wallets being specific to either one of the plurality of users or one of the plurality of chat initiating parties;
• providing a real-time variable rate control mechanism for use by the particular one respective user in adjusting a variable payment rate for the first paychat type or the second paychat type;
• receiving at least one real-time adjustment to the variable payment rate during the first paychat session with respect to a first business paychat payment;
• transferring, by the DLT-based private business hub system using the private DLT, the first business paychat payment from the digital wallet specific to the particular one chat initiating party to the digital wallet specific to the particular one respective user using a cryptocurrency in response to the initiation of the first paychat session;
• establishing, by the DLT-based private business hub system, a second plurality of electronic business cards, each electronic business card of the second plurality of electronic business cards being specific to the second paychat type and a respective one user of the plurality of users and required for use as an access token in triggering and engaging the respective one user in a second paychat session, wherein each electronic business card of the second plurality of electronic business cards includes information specific to the respective one user associated therewith comprising at least a name and a scannable identification code configured solely for use with the second paychat session but is void of any physical address, electronic mail address, and telephone number associated with the respective one user;
• receiving, by the DLT-based private business hub system, from a user device associated with a particular one chat initiating party of the plurality of chat initiating parties, a request to initiate the second paychat session on the chat room platform with a particular one respective user of the plurality of users using the electronic business card of the second plurality of business cards specific thereto, the second paychat session being exclusive between the particular one respective user and the particular one chat initiating party initiating the second paychat session;
• prompting, by the DLT-based private business hub system, the particular one chat initiating party with a message comprising a specific charge for the second business paychat payment for the second paychat session;
• receiving, by the DLT-based private business hub system, a response to the message prompted from the particular one chat initiating party indicating their agreement to pay the specific charge for the second business paychat payment for the second paychat session;
• responsive to the response received, initiating, by the DLT-based private business hub system, the second paychat session between the particular one chat initiating party and the particular one respective user on the chat room platform;
• receiving at least one real-time adjustment to the variable payment rate during the second paychat session with respect to a second business paychat payment;
• transferring, by the DLT-based private business hub system using the private DLT, the second business paychat payment from the digital wallet specific to the particular one chat initiating party to the digital wallet specific to the particular one respective user using the cryptocurrency in response to the initiation of the second paychat session;
• establishing, by the DLT-based private business hub system, a third plurality of electronic business cards, each electronic business card of the third plurality of electronic business cards being specific to a respective one user of the plurality of users for use as an access token in triggering and engaging the particular one user in a business chat session, wherein each electronic business card of the third plurality of electronic business cards includes information specific to the respective one user associated therewith comprising at least a name, a physical address, an electronic mail address, a telephone number, and a scannable identification code configured solely for use with the business chat session;
• receiving, by the DLT-based private business hub system, from a user device associated with a particular one chat initiating party of the plurality of chat initiating parties, a request to initiate the business chat session on the chat room platform with a particular one respective user of the plurality of users using the electronic business card of the third plurality of business cards specific thereto, the business chat session being exclusive between the particular one respective user and the particular one chat initiating party initiating the business chat session;
• initiating, by the DLT-based private business hub system, the business chat session between the particular one chat initiating party and the particular one respective user on the chat room platform;
• wherein the DLT-based private business hub system is a blockchain-based DLT and the private DLT is a blockchain;
• wherein at least one of the first paychat session and the second paychat session is for a specific time duration;
• and
• wherein the first business paychat payment and the second business paychat payment are determined as a function the variable payment rate.