If you mouseover the “PayCheckr” widget above, you’ll see an early version of a donation and payment model for digital content that I find intriguing. You can create your own beta PayCheckr widget and play around with it now, as I did with the widget above, though this is a “lite” version and the customization is limited.

The concept is simple enough to understand. I think of it as a payment and/or donation widget that is very much like the ShareThis widgets that you see on many websites and blogs; at the beginning or end of an article you mouseover a ShareThis icon which expands to offer multiple options for you to share a link to it with others via Twitter, Facebook, LinkedIn, e-mail it to a friend, etc.

PayCheckr likewise expands to offer the web user multiple options — as chosen by the site or blog owner — for paying for or supporting a website or blog, or specific content (article, video, service, etc.). The site or content owner can configure the widget to contain multiple options:

• Collect money…
• for a subscription
• for a one-time purchase (say, to trigger a PDF or software download, or access premium content)
• as a donation from the user
• Ask for non-monetary support by…
• viewing a sponsor’s message
• viewing an advertisement
• taking a survey
• Point users to other sites that earn you money, such as…
• affiliate e-commerce pages (e.g., Amazon.com or an online store) where purchases by your users earn your site a commission
• a marketing-firm survey that you receive commissions for participant referrals
• a barter-exchange program

For now, PayCheckr “Lite” offers limited functionality. I can’t yet put my own logo or otherwise customize how the widget looks in its closed state, or change the default language of “Many ways to pay.” The fields to enter my options limit the number of characters too much, so that when I tried to put in the names of my “sponsor” sites, they wouldn’t fit and had to be shortened. But it’s enough to envision how it might be used once the PayCheckr service is fully featured:

1. Access to full article after user action – Let’s say a news website wants to encourage some form of “payment” before showing the user more than the first couple paragraphs of a story. Rather than a typical paywall (i.e., pay now to view more or go away), a PayCheckr widget (properly designed to explain its purpose) could permit access to the content when the user selected any of the options set up by the site owner. Let’s say, either (1) make a donation, (2) pay for a subscription for future premium-content access, (3) watch a 30-second video ad and then get access to the rest of the article, or (4) visit a sponsor’s page that shows as a pop-up while the rest of the article appears on the screen below.
2. Give payment options up front for a purchase – Let’s say that you’ve got an e-book that you want users to pay for, but you want to give them multiple options. Rather than require the buyer to fill out a credit-card order form as the only option, your PayCheckr widget could offer multiple payment options: PayPal, Google Checkout, Amazon or iTunes account payment, direct payment from bank account, standard credit card form, payment with frequent-flyer miles, charge to mobile-phone account, etc. The benefit would be that if one of the choices is quick and convenient for the individual buyer, he or she is less likely to bail out of the purchase than if the only option is to fill out a long credit-card form.

Since PayCheckr is in early beta state without some of its planned features implemented, I can’t give it a good trial run yet. But it represents, to me at least, a softer approach to getting users to “pay” for digital content (especially news). If I as a web user I run across, say, an interesting research report that the publisher wants me to pay for, I might click on by if the only option is paying actual money. But if that valuable report can be viewed by non-monetary means — taking a marketing survey, or watching a 30-second sponsor video — then the report’s publisher is earning some money from me when with the money-only option I’d mean zero revenue.

PayCheckr also offers yet another model for soliciting donations. If I’ve got a special report online that I want everyone to see, but I’d still like to get some willing people to donate in thanks for the work I’ve done, perhaps a PayCheckr widget could offer multiple donation options — again, to make it easy for the potential donor to toss some money my way by selecting a donation option that’s simplest for him or her.

I also might want to put a PayCheckr widget in a permanent position on my blog, such as I’ve done with my Kachingle donation-network medallion in the left column of this site. (I’ll likely do that once PayCheckr offers more customization of the widget’s look and wording.)

Finally, since I work in an academic environment (University of Colorado at Boulder School of Journalism & Mass Communication, running the Digital Media Test Kitchen), I’m interested in PayCheckr from a research angle. I’m reminded of the Miami Herald’s website experiment late last year when it put a “donate” button at the bottom of all stories, but the only option for those wishing to donate money to support the Herald’s journalism was to fill out a long credit-card payment form. I’d love to know if a similar experiment would work better (the Herald killed its donation experiment quickly) if potential donors had multiple options for supporting the Herald, a la the PayCheckr approach.

(Disclaimer: I’ve been following the development of PayCheckr for some time, and have volunteered for solo focus-group sessions to aid the development team, led by PayCheckr founder Allan Hoving.)

The developers of Payyattention have been working on several concepts all generally revolving around the mission of identifying and funding the best online content. A tipping system, even if it’s simpler than previous ones that have come and gone over the years and containing a social-signal component, apparently isn’t the way to go, they’ve decided, so the Payyattention widget is about to expire.

According to Steve Farrell of Payyattention, he and his partners are moving in a different direction that might best be described as “emergent authority structures.”

That geeky-sounding description can be simplified. Farrell says that his team’s future direction will focus on providing or pointing online users to the highest-quality news and entertainment and bringing it to a wider audience. This will be selected by “aggregating the sum of thousands of individual decisions about who and what is worth paying attention to,” he says. (If that sounds akin to Digg, ponder that the two y’s in Payyattention were inspired by the two g’s in Digg.)

An example of this is HourlyPress, a project of Payyattention that uses the linking behavior of a selected group of influencers on a particular topic to identify, each hour, the most important stories published recently online. The first example of this is NewsAboutNews, which has been operating for a few months now and tracks the Twitter link behavior of seven thought leaders on news and media who are frequent Twitter posters.

NewsAboutNews lists the top 10 articles about news and media as determined by article links that the seven selected influencers (“editors”) have included in tweets, combined with tweets and retweets by other “sources” (people who the editors follow on Twitter). A more complete description of the process of best-story selection can be found on the HourlyPress homepage.

Farrell believes this is truly significant and points to the future of news:

“We see this approach as being the future, displacing the broadcast model that we’ve all grown up with, RSS news readers, and haphazardly finding things through your friends on social networks.”

If I’m understanding the direction that Farrell and company are heading, it’s in identifying the best content about any topic or area in realtime by using a combination of computer algorithm and the online behavior of a selected group of humans with a shared expertise or interest, and their like-minded colleagues. You might think of it as in between Google News, which selects news stories purely by machine algorithm, and a website like Digg where lists of top stories are ranked by the recommendations of a mass of self-selected online users.

In between, perhaps there’s not only opportunity, but a better way to identify the best online articles and content streaming through the vast, rapidly moving river of Internet news.

For Farrell, it’s about the belief that consumers faced with news and information overload online will begin to look for the best filtering mechanisms.

As for the financial model that can be layered on top of emergent authority networks, that’s the big thing to be tackled. You can ponder that challenge more deeply by reading this post on “retrospective news” by Lyn Headley, one of Farrell’s partners.

Thus, for those participating sites that you visit, you’ll get a quick visual cue of how often you view those sites. It’s valuable feedback (I think), because with all the websites and blogs that most people visit in a typical day, you may not be fully aware of which ones you frequent often. (Be sure to enable your Facebook Connect connection on SurfShare, then it will soon track you across different computers, not just a single one.)

For publishers, the SurfShare personalized, site-specific stats for each user represent opportunity to make money by identifying your most faithful and frequent visitors. I’ll explain that in a bit.

For a more complete explanation of SurfShare, read Reifman’s blog post yesterday announcing the alpha launch.

SurfShare already has some nifty features such as, for the site visitor, a searchable, auto-tagged listing of all stories viewed on participating sites, and a widget that shows which of your Facebook friends have read a story; and for the publisher, a widget that shows a specific site’s most popular pages. More useful widgets are coming, Reifman says, such as a feature of SurfShare.org that will recommend stories your friends have read.

Now, back to that money thing. I think SurfShare is a smart idea, for one reason, because it helps a site publisher or blogger identify their “best customers” and most-frequent visitors. For example, with SurfShare, Reifman soon will add the ability for a participating site publisher to take actions after an individual user has visited the site, say, 10 times, or read 10 articles.

Examples of what action a publisher might take are many:

• A blog owner might after a visitor has read 10 articles redirect to a page that says some thing like, “Hey, I noticed that you seem to like my blog! Thanks for being a regular reader. I write this blog in my spare time, and if you’d like me to continue, I’d love it if you click the donate button below and send me whatever amount you’d like to support my writing. Thanks!”
• On the opposite extreme, a news publisher might decide that once a site visitor has read, say, 10 stories that he/she should start paying, and demand signing up for a micropayment account where each article read costs 1 cent. (This might hook into payments systems like those coming from Journalism Online, BitCents, or Google Checkout, or be part of SurfShare’s future options.)
• A site owner could use the user tracking to identify the best prospects for premium memberships. For example, The Times (of London) website could offer visitors a discount on its £50-a-year News+ premium online membership after they’ve read 10 articles on the site — and if no response, perhaps an even steeper discount after 20 articles. (See my most recent blog item about Times+.)
• A news site might notice that a visitor has viewed 10 sports pages, then offer a sports premium membership or suggest an e-commerce purchase (e.g., souvenir Super Bowl book) at a discount.

There are so many possibilities for what a blog or site publisher could experiment with using this approach. While some smart media companies with sophisticated publishing and marketing systems may already have tried such tactics, SurfShare appears as an opportunity for small sites and blogs to take advantage of new revenue-generating strategies based on tracking individual users’ behavior and identifying their best and most loyal online visitors.

Installation involves add a few lines of Javascript to your site, and a WordPress plug-in is planned. You can add your site to SurfShare and pick up the code from this webpage.

I have a bias toward rewarding frequent visitors to a specific website or blog. I’d much rather offer the person who’s read 20 stories on my food-related site in the last week a discount or 2-for-1 meal coupon from an advertising restaurant, or offer a 25% discount on a recipe book that I’ll sell them, than force them to subscribe or start paying per article. Reifman has a differing view and likes the micropayment model. But the great thing about technology like SurfShare is that we can experiment and figure out what works best.

One other thing I like about the SurfShare model is that I think the user feedback of the tracker will motivate heavy users of a site to change their behavior, which might be to financially support the site in some new way. This reminds me very much of the miles-per-gallon (MPG) indicator in my wife’s car, which is a gas-electric hybrid.

Huh? Well, I’ve noticed the impact of that MPG meter on the dash on my driving habits. My car does not have an MPG indicator. Guess what: I find that I drive more smoothly and conservatively in my wife’s car, because that MPG indicator lets me know when I’m being a “bad” driver and wasting gas. In my own car with no such indicator, I tend to drive in my more normal manner: faster, with quicker starts and stops. The indicator in her car alters my behavior.

I think that for heavy users of a particular site, seeing their personal stats could likewise change their behavior. They may be more willing to support a site knowing how much they use it. It will be up to publishers and academic researchers to figure out how best to persuade such people to part with some of their money — whether by voluntary donation, making a prompted online purchase, buying a premium memberships, etc.

This particular one is called the CBS 4 Denver network, and includes content from Channel 4′s news operation in the widgets in either video or story format. Topics include Denver news, sports, politics, lifestyle, arts and culture (standard local news fare). Website owners that choose to carry the widget select from among the general topic feeds.

As you can see, the largest portion of the widgets is taken up by advertising. So for website owners, it’s like adding another ad network to their sites, but with the added benefit of some (hopefully relevant) content added to their pages. According to Pulse360 VP of business development Mark Wolfson, the ads you see here are earning a CPM of only $0.50 for hosting websites and blogs, but he’s hoping that will increase soon.

News publishers should be thinking hard about how to craft widgets like this. It’s essential that there be a shared-revenue advertising component, so that website publishers have strong incentive to carry the widgets on their pages.

The widgets I’ve seen to date, like this one, are still thin on content choice. Ideally, you’ll want to offer widgets that can include fine-grain content. (This isn’t rocket science; you just need to have enough diversity of RSS feeds to include as options for the widget.) For instance, a newspaper offering content widgets like the ones described above might have widgets that are customizable down to news about specific sports or teams.

As an example of how a local website owner might use a newspaper’s widgets, a local specialty store that sells shoes and running equipment might want to feature the paper’s running and track coverage on its website (not general sports coverage; that’s not a good-enough fit). That’s a great service to that running store and its website, and a revenue source for it. (The news organization, of course, benefits from new users being driven to its website, plus advertising revenues coming from sites outside of its own.)

With the emergence of companies like Pulse360, there are now options for implementing a widget strategy without having to do the heavy lifting of developing them on your own.

To learn more about widgets and publisher widget strategies, you’d do well to follow Jeremiah Owyang, who’s a guru on the topic of the distributed web. Here are his writings on widget strategy. Also good is his discussion of widget networks.

And it’s no longer just about getting people to click through to your website (although that obviously still is a good thing). You need to let people view your content wherever they may be. If they’re hanging out on Facebook, let them watch your video or read your story there. Are they seeing your content that’s been placed on an obscure blog? Let them view it there. Don’t force them to click through to your site, but accept the viewing session on that remote site. If they want to click through to see more from you, they will; there’s no need to force it. (Make sure your widget makes it obvious how to get to more content on your site.)

Here’s a widget from ESPN’s WidgetCenter that demonstrates the possibilities:

There is one important thing missing: advertising. While there’s not a lot of room on a widget like this, you could still put an advertiser’s small logo on it, and charge for those (remote) impressions. I expect we’ll start to see ads implemented into news organizations’ web widgets soon enough.

Of course, there is a downside to widget advertising. Your widget, and thus the advertiser’s message, could show up on “unsavory” websites. No advertiser wants that. So write a terms of service that allows you to restrict where your widget shows up — and monitor it, shutting down uses by websites that violate your TOS.

Here’s are a few more widgets from ESPN.com: