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SYSTEM AND METHOD TO MANAGE INFORMATION FOR CONDUCTING SECURE TRANSACTIONS

  • US 20130238503A1
  • Filed: 02/28/2013
  • Published: 09/12/2013
  • Est. Priority Date: 02/29/2012
  • Status: Abandoned Application
First Claim
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1. A system for conducting secure electronic transactions, the system comprising:

  • one or more physical processors;

    storage media storing machine-readable instructions that cause the one or more physical processors;

    to receive a transaction request comprising first transaction information from a first user;

    to store at least some of the first transaction information;

    to generate a system-generated code and associate the system-generated code with at least one of the stored transaction information and pre-existing first user information;

    to transmit the system-generated code to the first user;

    to receive a user-sent code from a second user with second transaction information;

    to validate the user-sent code and determine any stored transaction information and pre-existing first user information associated with the user-sent code;

    to cause an authorization decision to be rendered for a transaction associated with the stored transaction information and pre-existing first user information associated with the user-sent code and second transaction information; and

    to transmit the authorization decision to at least one of the first user and the second user;

    wherein the system-generated code does not contain any transaction method information and is at least one of time-limited, one-time use, and limited to use with a single transaction partner.

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