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

專利號
US11997105B2
公開日期
2024-05-28
申請人
1080 Network, Inc.(US TX Lakeway)
發(fā)明人
Christopher Petersen; Tim Kuchlein
IPC分類
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.

說明書

In some embodiments, an obtainment restriction 424 is a data entity that defines one or more criteria for validating objects of a value-based exchange. An obtainment restriction 424 may define one or more user-specific, location-specific, and/or other rules for validating a restricted object.

The location-specific rules may include one or more geographic restrictions and/or sovereign entity restrictions. For example, the location-specific rules may be indicative of one or more country, state, county, and/or the like, restrictions on the obtainment of one or more restricted objects in a sovereign entity and/or other geographic region. By way of example, one or more restricted objects may be banned for obtainment by federal laws that may form the basis of an obtainment restriction 424.

The user-specific rules may include one or more age restrictions, residency restrictions, credit score restrictions, and/or the like. In some examples, an age restriction may be indicative of one or more age ranges and/or age thresholds for obtaining a restricted object. For instance, an age restriction may define one or more age categories for one or more restricted objects of different types. Each age category may define an age range (e.g., an age band, etc.) that corresponds to a different type of restricted object. By way of example, a first age category may be indicative of an age range below a minimum age for obtaining a first object, such as tobacco, a second age category may be indicative of an age range above the minimum age range for obtaining tobacco but lower than a second minimum age for obtaining a second object, such as alcohol, and a third category may be indicative of an age range above the second minimum age range.

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