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US Patent 11893570 Token based demand and remand system

Patent 11893570 was granted and assigned to United Services Automobile Association on February, 2024 by the United States Patent and Trademark Office.

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Is a
Patent
Patent
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Patent attributes

Current Assignee
United Services Automobile Association
United Services Automobile Association
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Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
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Patent Number
118935700
Patent Inventor Names
Ji Qi0
Carl Mehner0
Sean Carl Mitchem0
Nolan Serrao0
Joel S. Hartshorn0
Brian Tougas0
Jennifer Hunt Erickson0
Brian F. Shipley0
Date of Patent
February 6, 2024
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Patent Application Number
169538370
Date Filed
November 20, 2020
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Patent Citations
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US Patent 10521776 UN currency (virtual payment cards) issued by central bank or other issuer for mobile and wearable devices
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US Patent 10713457 Two-dimensional code generation and processing
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US Patent 10580049 System and method for incorporating one-time tokens, coupons, and reward systems into merchant point of sale checkout systems
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US Patent 11250229 Displaying and recognizing two-dimensional code
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US Patent 8944328 System for data card emulation
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US Patent 9489673 Payment system and methods
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US Patent 10332117 System and method for mobile device self-checkout for retail transactions with loss protection
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Patent Primary Examiner
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Peter Ludwig
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CPC Code
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G06Q 2220/00
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G06K 7/1095
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G06K 7/1417
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G06K 19/06037
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G06K 19/06112
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H04L 63/083
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H04L 63/0861
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H04W 12/06
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Patent abstract

A system is described to authorize a transaction using blockchain technology. For example, a transaction authorization system comprises a point of sale (POS) device, a mobile device, and a payment blockchain. The POS device can initiate a transaction by scanning one or more items to be purchased and generating a code comprising a transaction identifier and a total cost of the one or more items. The mobile device can receive the code and can generate a token comprising the transaction identifier, total cost, a selected payment method identifier, and a value that can identify an account of a person associated with the mobile device. The token is sent to a payment blockchain to authorize the transaction.

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