System for generating a transaction specific tokenization for a wearable device

• US 10,438,201 B2
• Filed: 09/09/2015
• Issued: 10/08/2019
• Est. Priority Date: 09/09/2015
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Jones, Ralph Brian
• Primary Examiner(s): Nigh, James D
• Assistant Examiner(s): Immanuel, Isidora I
• Application Number:
  US14/849,290
• Publication Number:
  US 20170068956A1
• Time in Patent Office: 1,490 Days
• Field of Search: 705 75
• CPC Class Codes: G06F 21/1014 to tokens
• CPC Class Codes: G06F 2221/2153 Using hardware token as a secondary aspect
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/401 Transaction verification

Abstract

Embodiments of the invention are directed to systems, methods, and computer program products for authorizing and performing a user defined selected transaction based on receiving notification from a wearable device associated with the user that the wearable device sensed a predefined action. The system is configured to transmit a data sensing packet to a wearable device comprising software code configured to cause the wearable device to process actions of the user that are sensed by the wearable device; receive a selected transaction from the user that the user wishes to be performed based on the wearable device sensing a predefined action; associate the selected transaction with a response token to be communicated to the system when the wearable device senses the predefined action; transmit the response to the wearable device; receive the response token indicating that the predefined action was sensed by the wearable device; and perform the selected transaction.

Claims

1. A system for authorizing and performing a user defined selected transaction based on receiving notification from a wearable device associated with the user that the wearable device sensed a predefined action, wherein the system comprises:

a memory;

a communication interface;

one or more processors; and

executable code stored in memory, wherein the code, when executed by the one or more processors, causes the one or more processors to;

transmit, to first and second wearable devices associated with the user, via said communication interface, a data sensing packet, wherein the data sensing packet comprises software code that is stored on the first and second wearable devices and configured to cause the first and second wearable devices to process physical movements of the user that are sensed by the first and second wearable devices;

receive a definition of a selected transaction from the user that the user wishes to be performed based on the first and second wearable devices sensing a predefined physical movement of the user;

associate the selected transaction with

     1) the predefined physical movement to be sensed by the first and second wearable devices and

     2) a response token;

transmit, to the first and second wearable devices, the response token and information related to the predefined physical movement associated with the response token;

receive the response token from the first wearable device;

in response to receiving the response token from the first wearable device, determine that the user performed the predefined physical movement using the first wearable device;

in response to receiving the response token from the first wearable device, calculate an expiration time based on a timestamp of the response token from the first wearable device;

receive the response token from the second wearable device;

in response to receiving the response token from the second wearable device, determine that the user performed the predefined physical movement using the second wearable device;

receive authentication information that authenticates the user;

determine whether the response token from the second wearable device was received prior to the expiration time; and

in response to determining whether the response token from the second wearable device was received prior to the expiration time;

(a) cancel the transaction based on the response token from the second wearable device not being received prior to the expiration time or (b) perform the selected transaction based on receiving the response token from the first wearable device and from the second wearable device prior to the expiration time and further based on receiving the authentication information.

2. The system of claim 1, wherein the sensing packet comprises executable code configured to cause the first wearable device to:

receive an indication that the user is in possession of the first wearable device;

authenticate the first wearable device at a first time based on at least receiving the indication that the user is in possession of the first wearable device;

receive an indication that the user wishes to execute the selected transaction;

determine that the user continues to remain in possession of the first wearable device based on at least continuously monitoring the first wearable device from the first time; and

transmit a notification along with the response token indicating that the user desires to perform the selected transaction, along with an indication that the user previously performed an authentication process on the first wearable device and that the user has remained in possession of the first wearable device,

wherein said system performs the selected transaction based on at least determining that the user authenticated to the first wearable device and remained in possession of the first wearable device.

3. The system of claim 1, wherein the executable code further comprises instruction code configured to cause the one or more processors to:

communicate two or more response tokens to the first wearable device, wherein each of the multitude of response tokens is associated with a different physical action that can be sensed by the first wearable device and a transaction to be performed based on sensing the physical action.

4. The system of claim 1, wherein the executable code further comprises instruction code configured to cause the one or more processors to:

register each of the first and second wearable devices as associates with the user based at least on a unique identification associated with each of the first and second wearable devices.

5. The system of claim 4, wherein the executable code comprises instruction code configured to cause the one or more processors to assign unique response tokens to each of the first and second wearable devices for each of a plurality of selected transactions and sensed physical movements of the user.

6. The system of claim 1, wherein the data sensing packet comprises instruction code configured to cause the first wearable device to:

sense multiple instances of the predefined physical movement;

determine that the number of the multiple instances of the predefined physical movement sensed by the first wearable device exceeds a predetermined limit; and

communicate the response token based on determining the number of the multiple instances of the predefined physical movement sensed by the first wearable device exceeds the predetermined limit.

7. The system of claim 1, wherein the executable code further comprises instruction code configured to cause the one or more processors to:

communicate a request to the user to consent to completion of the selected transaction, wherein the request comprises at least a description of the selected transaction; and

receive a response from the user indicating the user consents to the completion of the selected transaction.

8. The system of claim 1, wherein the executable code further comprises instruction code configured to cause the one or more processors to:

determine whether the selected transaction is subject to a limitation; and

performing the selected transaction if the limitation does not apply.

9. The system of claim 1, wherein the data sensing packet comprises instruction code configured to cause the first wearable device to:

prompt the user to perform the predefined physical movement for initially recording the predefined physical movement;

sense the predefined physical movement as the user performs the predefined physical movement; and

store the sensed predefined action in memory.

17. The system of claim 1, wherein the executable code further comprises instruction code configured to cause the one or more processors to, in response to determining whether the response token from the second wearable device was received prior to the expiration time, cancel the transaction based on the response token from the second wearable device not being received prior to the expiration time.

18. The system of claim 1, wherein the executable code further comprises instruction code configured to cause the one or more processors to, in response to determining whether the response token from the second wearable device was received prior to the expiration time, perform the selected transaction based on receiving the response token from the first wearable device and from the second wearable device prior to the expiration time and further based on receiving the authentication information.

10. A computer program product for authorizing and performing a user defined selected transaction based on receiving notification from a wearable device associated with the user that the wearable device sensed a predefined action, the computer program product being embodied on a non-transitory computer readable storage medium having computer readable program code embodied therewith, the computer readable program code being configured to cause one or more processors to:

transmit, to first and second wearable devices associated with the user, a data sensing packet, wherein the data sensing packet comprises software code that is stored on the first and second wearable devices and configured to cause the first and second wearable devices to process physical movements of the user that are sensed by the first and second wearable devices;

receive a definition of a selected transaction from the user that the user wishes to be performed based on the first and second wearable devices sensing a predefined physical movement of the user;

associate the selected transaction with

     1) the predefined physical movement to be sensed by the first and second wearable devices and

     2) a response token;

transmit, to the first and second wearable devices, the response token and information related to the predefined physical movement associated with the response token;

receive the response token from the first wearable device;

in response to receiving the response token from the first wearable device, determine that the user performed the predefined physical movement using the first wearable device;

in response to receiving the response token from the first wearable device, calculate an expiration time based on a timestamp of the response token from the first wearable device;

receive the response token from the second wearable device;

in response to receiving the response token from the second wearable device, determine that the user performed the predefined physical movement using the second wearable device;

receive authentication information that authenticates the user;

determine whether the response token from the second wearable device was received prior to the expiration time; and

in response to determining whether the response token from the second wearable device was received prior to the expiration time;

(a) cancel the transaction based on the response token from the second wearable device not being received prior to the expiration time or (b) perform the selected transaction based on receiving the response token from the first wearable device and from the second wearable device prior to the expiration time and further based on receiving the authentication information.

11. The computer program product of claim 10, wherein the sensing packet comprises executable code configured to cause the first wearable device to:

receive an indication that the user is in possession of the first wearable device;

authenticate the first wearable device at a first time based on at least receiving the indication that the user is in possession of the first wearable device;

receive an indication that the user wishes to execute the selected transaction;

determine that the user continues to remain in possession of the first wearable device based on at least continuously monitoring the first wearable device from the first time; and

transmit a notification along with the response token indicating that the user desires to perform the selected transaction, along with an indication that the user previously performed an authentication process on the first wearable device and that the user has remained in possession of the first wearable device,

wherein the selected transaction is performed based on at least determining that the user authenticated to the first wearable device and remained in possession of the first wearable device.

12. The computer program product of claim 10, wherein the computer readable program code being further configured to cause the one or more processors to:

communicate two or more response tokens to the first wearable device, wherein each of the response tokens is associated with a different physical action that can be sensed by the first wearable device and a transaction to be performed base on sensing the physical action.

13. The computer program product of claim 10, wherein the computer readable program code being further configured to cause the one or more processors to:

register each of the first and second wearable devices as associated with the user based at least on an unique identification associated with each of the first and second wearable devices.

14. The computer program product of claim 13, wherein the computer readable program code being further configured to cause the one or more processors to assign unique response tokens to each of the first and second wearable devices for each of a plurality of selected transactions and sensed physical movements of the user.

15. The computer program product of claim 10, wherein the data sensing packet comprises instruction code configured to cause the first wearable device to:

sense multiple instances of the predefined physical movement;

determine that the number of the multiple instances of the predefined physical movement sensed by the first wearable device exceeds a limit; and

communicate the response token based on determining the number of the multiple instances of the predefined physical movement sensed by the first wearable device exceeds the limit.

16. A computer implemented method for authorizing and performing a user defined selected transaction based on receiving notification from a wearable device associated with the user that the wearable device sensed a predefined action, wherein the method comprising:

transmitting, to first and second wearable devices associated with the user, a data sensing packet, wherein the data sensing packet comprises software code that is stored on the first and second wearable devices and configured to cause the first and second wearable devices to process physical movements of the user that are sensed by the first and second wearable devices;

receiving a definition of a selected transaction from the user that the user wishes to be performed based on the first and second wearable devices sensing a predefined physical movement of the user;

associating the selected transaction with

     1) the predefined action to be sensed by the first and second wearable devices and

     2) a response token;

transmitting, to the first and second wearable devices, the response token and information related to the predefined physical movement associated with the response token;

receiving the response token from the first wearable device;

in response to receiving the response token from the first wearable device, determining that the user performed the predefined physical movement using the first wearable device;

in response to receiving the response token from the first wearable device, calculating an expiration time based on a timestamp of the response token from the first wearable device;

receiving the response token from the second wearable device;

in response to receiving the response token from the second wearable device, determining that the user performed the predefined physical movement using the second wearable device;

receiving authentication information that authenticates the user;

determine whether the response token from the second wearable device was received prior to the expiration time; and

in response to determining whether the response token from the second wearable device was received prior to the expiration time;

(a) canceling the transaction based on the response token from the second wearable device not being received prior to the expiration time or (b) performing the selected transaction based on receiving the response token from the first wearable device and from the second wearable device prior to the expiration time and further based on receiving the authentication information.