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Network-level user validation for network-based exchanges that leverages universally unique ephemeral key to eliminate use of persistent credentials

專(zhuān)利號(hào)
US11997105B2
公開(kāi)日期
2024-05-28
申請(qǐng)人
1080 Network, Inc.（US TX Lakeway）
發(fā)明人
Christopher Petersen; Tim Kuchlein
IPC分類(lèi)
H04L9/40; H04W12/0471
技術(shù)領(lǐng)域
exchange,platform,provider,service,or,instrument,partner,may,uuek,object
地域： TX TX Lakeway

摘要

Various embodiments of the present disclosure provide techniques for adjudicating a credential-less exchange over a network using a plurality of identifier mappings and member interfaces. The techniques may include receiving an exchange request for executing a value-based exchange that includes a universally unique ephemeral key (UUEK) and identifies an object. The techniques may include identifying a user and an instrument for servicing the exchange request based on the UUEK. The techniques may include determining validated and invalidated objects for the exchange request based on the user and providing an exchange authorization request indicative of the validated objects to a member platform associated with the instrument. The techniques may include receiving an exchange authorization response indicating whether the exchange request is approved by the member platform and replying to the exchange request with an exchange response that is reflective of the exchange authorization response and the invalidated objects.

說(shuō)明書(shū)

In some embodiments, the validation service 408 is configured to identify one or more restricted objects from an exchange request and validate the restricted object based at least in part on user attributes and/or an exchange location corresponding to the exchange request. In some examples, the validation service 408 may identify and/or validate the restricted objects based at least in part on a recorded data object 422 and/or one or more obtainment restrictions 424.

In some embodiments, the recorded data object 422 is a data object that represents an object that may be involved in a value-based exchange. In some examples, a recorded data object 422 may be an internal representation of an object for an exchange platform. For example, an object may include a distinct unit of a value-based exchange for which value is being transferred. A recorded data object 422 for the object may include a data object that records one or more aspects (e.g., object identifiers, object attributes, etc.) of the object.

For instance, a recorded data object 422 may include an object identifier and/or one or more object attributes for a particular object associated with a value system. The object may be based at least in part on the value system. For instance, in a financial value system, an object may be a tangible or intangible item, product, and/or the like that may be purchased in exchange for a unit of currency. In a healthcare value system, an object may be a healthcare procedure, and/or the like that may be covered by a healthcare policy.

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