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

In some embodiments, a member is a partner when it utilizes a service provided by a service provider. A partner may include any value seeking entity in any value system. As an example, in a financial value system, a partner may include a merchant (e.g., retailer, brick-and-mortar establishment, etc.) that may utilize a service provider, such as a financial institution, to access funds for a financial transaction. In addition, or alternatively, in an information value system, a partner may include a news publisher (e.g., a newspaper, media organization, etc.) that may utilize a service provider, such as a news agency (e.g., wire service, news service, etc.) to access information for an information transaction. In a healthcare value system, a partner may include a healthcare provider that may access a healthcare benefits administrator to access medical benefits for funding a medical operation. As will be understood, the techniques of the present disclosure may be applied to any value system and the partner may include any value seeker for any respective value system.

權(quán)利要求

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