Transaction token issuing authorities

Patent metadata

Field	Value
Publication number	US-9639837-B2
Application number	US-201514928690-A
Country	US
Kind code	B2
Filing date	Oct 30, 2015
Priority date	Apr 9, 2010
Publication date	May 2, 2017
Grant date	May 2, 2017

Abstract

Systems, methods, apparatus, processes, computer program code and means for conducting transactions are described which allow a first party to a transaction to identify a second party to a transaction.

First claim

The invention claimed is:

1. A computer system, comprising:
a non-transitory memory storing instructions; and
one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory memory to cause the system to perform operations comprising:
generating a token comprising an address of a server to use in completing a transaction; and
providing the generated token to a device of another party to allow the device to complete the transaction, at least in part, by transmitting the token to the server via the address.

2. The computer system of claim 1 , wherein the address is a Uniform Resource Locator (URL) encoded in the token.

3. The computer system of claim 1 , wherein the address is a Uniform Resource Indicator (URI) encoded in the token.

4. The computer system of claim 1 , wherein the device transmits the token to the server via the address to complete the transaction.

5. The computer system of claim 1 , wherein the token further comprises a token value associated with the transaction.

6. The computer system of claim 1 , wherein the server is associated with one of a plurality of different providers that perform transaction processing.

7. The computer system of claim 1 , wherein the token is generated as part of initiating a transaction between two parties.

8. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
generating a token comprising an address of a server to use in completing a transaction; and
providing the generated token to a device of another party to allow the device to complete the transaction, at least in part, by transmitting the token to the server via the address.

9. The non-transitory machine-readable medium of claim 8 , wherein the address is a Uniform Resource Locator (URL) encoded in the token.

10. The non-transitory machine-readable medium of claim 8 , wherein the address is a Uniform Resource Indicator (URI) encoded in the token.

11. The non-transitory machine-readable medium of claim 8 , wherein the device transmits the token to the server via the address to complete the transaction.

12. The non-transitory machine-readable medium of claim 8 , wherein the token further comprises a token value associated with the transaction.

13. The non-transitory machine-readable medium of claim 8 , wherein the server is associated with one of a plurality of different providers that perform transaction processing.

14. The non-transitory machine-readable medium of claim 8 , wherein the token is generated as part of initiating a transaction between two parties.

15. A computer-implemented method for conducting a transaction involving multiple parties, comprising:
receiving, a token comprising an address of a server to use in completing a transaction; and
transmitting the token to the server via the address to complete the transaction.

16. The computer-implemented method of claim 15 , wherein the address is a Uniform Resource Locator (URL) encoded in the token.

17. The computer-implemented method of claim 15 , wherein the address is a Uniform Resource Indicator (URI) encoded in the token.

18. The computer-implemented method of claim 15 , wherein a user device receives the token from a second device during a pending transaction involving each of the devices.

19. The computer-implemented method of claim 15 , wherein the token further comprises a token value associated with the transaction.

20. The computer-implemented method of claim 15 , wherein the server is associated with one of a plurality of different providers that perform transaction processing.

Assignees

• Paypal Inc

Inventors

• Laracey Kevin

Classifications

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06Q20/108

  Remote banking, e.g. home banking · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title