METHOD AND SYSTEMS FOR GENERATING AND USING TOKENS IN A TRANSACTION HANDLING SYSTEM

• US 20100235284A1
• Filed: 03/13/2009
• Published: 09/16/2010
• Est. Priority Date: 03/13/2009
• Status: Abandoned Application

• Current Assignee: Gidah Incorporated
• Original Assignee: Gidah Incorporated
• Inventors: Moore, Daryl Richard
• Application Number:
  US12/404,196
• Publication Number:
  US 20100235284A1
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06F 21/335 for accessing specific resources, e.g. using Kerberos tickets
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06F 2221/2137 Time limited access, e.g. to a computer or data
• CPC Class Codes: G06F 2221/2147 Locking files
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/0655 e-cash managed centrally
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 63/102 Entity profiles

Abstract

A method and systems for generating and using transaction tokens including a plurality of interfaces for communication over a network, the plurality of interfaces communicatively coupled to a plurality of information sending devices and a plurality of information receiving devices, at least one database including a token data table and a user profile table, the token data table storing at least one token, the at least one token having a user-defined value and a plurality of data fields, and a business software component communicatively coupled to the plurality of interfaces and the at least one database that is operative to receive at least one request from the plurality of interfaces, generate at least one token in response to the at least one request received from the plurality for interfaces, lock the at least one token generated in response to the received at least one request, and redeem the user-defined value of the locked at least one token.

Claims