US Patent 10453042 Token use for transactions in a payment system

Disclosed is a method including receiving user credentials from a user device by a server system. The user credentials are authenticated by the server system. A token is transmitted to the user device by the server system. A plurality of transaction requests, each including a transaction amount and the token, are received by the server system from the user device. The server system utilizes the token to determine whether to approve each transaction request until the token expires. These steps are repeated after the token has expired.