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Automatic approval

  • US 8,788,945 B1
  • Filed: 06/30/2008
  • Issued: 07/22/2014
  • Est. Priority Date: 06/30/2008
  • Status: Expired due to Fees
First Claim
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1. A computer-implemented method comprising:

  • receiving a request to purchase an item, the request to purchase the item including;

    an identification of a cookie stored on a computing device that sent the request to purchase the item; and

    a transaction phrase token received via a text box populated by input from a user, wherein;

    the transaction phrase token comprises words separated by a space having a secondary meaning to the user; and

    the transaction phrase token is entered into the text box as a payment method to purchase the item;

    responsive to the receiving of the request, providing an opportunity to approve or decline the request to purchase the item to the computing device that sent the request to purchase the item;

    receiving an indication that the user has approved the purchase, the indication including an identification of a cookie stored on a computing device operated by the user;

    determining if the cookie stored on the computing device that sent the request to purchase the item matches the cookie stored on the computing device operated by the user;

    performing a hash of the received cookie stored on the computing device operated by the user;

    determining if the hash of the received cookie stored on the computing device operated by the user matches a stored hash value of a cookie stored on a computing device associated with the transaction phrase token;

    mapping the received cookie and the transaction phrase token to the user based at least in part on,determining that the hash of the received cookie stored on the computing device operated by the user matches the stored hash value; and

    determining if one or more rules associated with the transaction phrase token and defined by the user allow for automatic approval to purchase the item; and

    approving the purchase of the item without authenticating the user based at least in part on;

    determining that the cookie stored on the computing device that sent the request to purchase the item matches the cookie stored on the computing device operated by the user, ordetermining that the one or more rules associated with the transaction phrase token and defined by the user allow for automatic approval to purchase the item.

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