US 11,893,570 B1
Token based demand and remand system
Brian Tougas, Spring Branch, TX (US); Carl Mehner, San Antonio, TX (US); Jennifer Hunt Erickson, San Antonio, TX (US); Sean Carl Mitchem, San Antonio, TX (US); Brian F. Shipley, San Antonio, TX (US); Joel S. Hartshorn, Liberty Lake, WA (US); Nolan Serrao, Plano, TX (US); and Ji Qi, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by UIPCO, LLC, San Antonio, TX (US)
Filed on Nov. 20, 2020, as Appl. No. 16/953,837.
Claims priority of provisional application 62/939,497, filed on Nov. 22, 2019.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/20 (2012.01); G06Q 20/38 (2012.01); G06Q 20/02 (2012.01); G06Q 30/00 (2012.01); G06Q 20/22 (2012.01); G06Q 40/02 (2012.01); G06Q 20/40 (2012.01); H04L 9/40 (2022.01); G06Q 30/018 (2023.01); G06K 19/06 (2006.01); G06K 7/10 (2006.01); G06K 7/14 (2006.01); H04W 12/06 (2021.01)
CPC G06Q 20/3276 (2013.01) [G06K 7/1095 (2013.01); G06K 7/1417 (2013.01); G06K 19/06037 (2013.01); G06K 19/06112 (2013.01); G06Q 20/02 (2013.01); G06Q 20/208 (2013.01); G06Q 20/209 (2013.01); G06Q 20/227 (2013.01); G06Q 20/389 (2013.01); G06Q 20/40145 (2013.01); G06Q 30/0185 (2013.01); G06Q 40/02 (2013.01); H04L 63/083 (2013.01); H04L 63/0861 (2013.01); H04W 12/06 (2013.01); G06Q 2220/00 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A transaction authorization system, comprising:
a point-of-sale (POS) device configured to:
scan one or more items to be purchased;
generate and display a machine-readable visual code for a transaction involving the one or more items to be purchased, wherein the machine-readable visual code comprises a transaction identifier for the transaction and a cost of the one or more items to be purchased;
a mobile device configured to:
receive personal information about a user of the mobile device;
determine that the user is authenticated upon determining that the received personal information is same as previously stored personal information;
after determining that the user is authenticated:
receive, from the POS device, the machine-readable visual code for the transaction;
receive a selection of a payment method for the transaction from a list of one or more payment methods;
generate, after the machine-readable visual code is received and the payment method selection is received, a token comprising at least the transaction identifier and the cost of the one or more items, wherein a first part of the token is generated based on a payment identifier associated with the selected payment method, and wherein a second part of the token is generated based on a value that uniquely identifies the user or an account of the user;
post a demand message to a payment blockchain identified by information in the token,
wherein the demand message notifies a provider of the selected payment method,
wherein the provider of the selected payment method posts a remand transaction to the payment blockchain; and
the POS device further configured to receive, from the payment blockchain, a message indicating that the transaction is authorized.