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System and method for generating a service provider based secure token

  • US 10,057,238 B2
  • Filed: 02/28/2018
  • Issued: 08/21/2018
  • Est. Priority Date: 06/03/2015
  • Status: Active Grant
First Claim
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1. A method of generating an online service provider specific secure token, the method comprising:

  • receiving over a network, from an online service provider and by a third party server having a processor, user account information of a user account for a user registered with the online service provider and a request to establish a secure channel between a user device and third party server;

    establishing the secure channel between the user device and the third party server;

    receiving over the secure channel of the network, from the online service provider and by the third party server, exchange information for an exchange between the user and the online service provider, wherein the exchange information is stored by the online service provider and includes at least one of credit card information, checking account information, bitcoin account information, loyalty point information, membership information, gaming account information and security information;

    verifying, by the third party server, identification of the user based on correspondence between the received exchange information and the user account information;

    generating, using the processor of the third party server and based on the exchange information, a secure token to be used for the exchange;

    mapping, by the third party server, the secure token to the user account information of the user stored at the online service provider, such that the mapped secure token is usable via the user account at the mapped online service provider;

    transmitting, by the third party server and to the online service provider, the secure token over the network for storage at the online service provider,wherein the secure token transmitted by the third party server is received by the online service provider and stored therein;

    deleting, from the online service provider, the exchange information;

    receiving over the network, by the third party server and from a requesting online service provider, the secure token for requesting an exchange using the secure token;

    determining, by the third party server, whether the secure token is mapped to the requesting online service provider;

    determining, by the third party server, whether the secure token is being used by the user account mapped to the secure token;

    if the secure token is determined to be mapped to the requesting online service provider and the user account mapped to the secure token,determining, by the third party server, whether the exchange information mapped to the secure token has a value equal to or greater than a value required to process the exchange, andif the exchange information mapped to the secure token is determined to have the value equal to or greater than the value required to process the exchange, the third party server retrieves exchange information mapped to the secure token, and authorizes the request for the exchange using the retrieved exchange information; and

    if the secure token is determined not to be mapped to the requesting online service provider, or if the secure token is determined to be mapped to the requesting online service provider and the user account is determined not to be mapped to the secure token,denying, by the third party server, the request for the exchange, andnotifying, by the third party server, the online service provider mapped to the secure token of the denied exchange.

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