PAYMENT SYSTEM

• US 20160239832A1
• Filed: 02/14/2015
• Published: 08/18/2016
• Est. Priority Date: 02/14/2015
• Status: Abandoned Application

• Current Assignee: Gary J. Knorr
• Original Assignee: Gary J. Knorr
• Inventors: KNORR, GARY J
• Application Number:
  US14/622,863
• Publication Number:
  US 20160239832A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3827 Use of message hashing
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: H04L 63/02 for separating internal from external traffic, e.g. firewalls
• CPC Class Codes: H04L 63/1466 Active attacks involving interception, injection, modification, spoofing of data unit addresses, e.g. hijacking, packet injection or TCP sequence number attacks

Abstract

A payment system can include removal from the Grid (electronic network) of a person'"'"'s identity for the purpose of purchased transactions. The payment system can use a Digitized 2D Graphical representation of the person'"'"'s “Alias Identity” for the purpose of identification and authorization of a purchase transaction. The system can store securely off an electronic network a personal identity for a payment process. The payment system can process a payment in a secure manner and forward it to a merchant.

Claims

1. A method of encrypting an identity for financial transactions including:

creating an alias for the identity on an alias computer server with both a graphical component and a textual component.

creating a hardware firewall between an internet server and the alias computer server;

creating a software firewall between the internet server and the alias computer server;

creating air gaps between the internet server and the alias computer server.

utilizing the alias in financial transactions with a financial institution.

creating the graphical component as a quick response token;

sending the quick response token with a mobile device to a merchant;

displaying the alias for the identity when the merchant scans the quick response token; and

the merchant visually approving the alias.

2. The method of claim 1, including:

generating the identity from the alias; and

a financial institution debiting an account assigned to the identity.

3. The method of claim 2, wherein the alias is created with splinters of information from random events through a plurality of electronic devices.

4. A system of encrypting an identity for financial transactions including:

an alias computer server configured to create an alias for the identity with both a graphical component and a textual component;

a threat server configured to encrypt the alias with splinters of information from random events through a plurality of electronic devices;

a hardware firewall between an internet server and the threat computer server;

a software firewall between the internet server and the threat computer server; and

a plurality of air gaps between the internet server and the alias computer server.

5. The system of claim 4, wherein the alias is utilized in financial transactions with a financial institution.

6. The system of claim 5, including:

the graphical component configured as a quick response token;

a mobile device configured to send the quick response token to a merchant; and

an electronic device display configured to display the alias for the identity when the merchant scans the quick response token.

7. The system of claim 6, wherein the alias server is configured to generate the identity from the alias.

8. A system of encrypting an identity for financial transactions including:

an email server configured to collect information regarding the identity;

an alias computer server configured to create an alias for the identity with both a graphical component and a textual component,

a threat server configured to encrypt the alias with splinters of information from random events through a plurality of electronic devices;

a hardware firewall and a software firewall disposed between an internet server and the threat server;

a transaction server configured to complete a financial transaction request received from the alias server; and

at least one air gap between the internet server and the threat server, and at least one air gap disposed between the alias server and the transaction server.