| CPC H04L 63/0853 (2013.01) [H04L 63/107 (2013.01)] | 20 Claims |
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1. A method comprising:
receiving, by at least one hardware processor, a transaction record comprising transaction details associated with a transaction in a user account of a user;
wherein the transaction details comprise an entity identifier associated with an entity;
wherein the user account is associated with a computing device, configured to facilitate executing transactions with at least one point-of-sale device;
determining, by the at least one hardware processor, a scheduled transaction-related activity between the user and the entity based at least in part on the entity identifier of the transaction details of the transaction record;
wherein the scheduled transaction-related activity is indicative of at least one potential subsequent offline transaction between the user account and the entity;
determining, by the at least one hardware processor, transaction-related activity data associated with the scheduled transaction-related activity utilizing a data enrichment engine, the transaction-related activity data comprising a transaction-related activity start time;
automatically generating, by the at least one hardware processor, in response to the transaction-related activity data, a temporary, entity-specific, offline limited-use token associated with the user account for the at least one potential subsequent offline transaction associated with the scheduled transaction-related activity;
wherein the temporary, entity-specific, offline limited-use token comprises at least one account access restriction that restricts the use of the temporary, entity-specific, offline limited-use token to the scheduled transaction-related activity;
wherein the at least one account access restriction identifies:
a temporary, entity-specific, offline token activation period, identifying an active offline time period of the temporary, entity-specific, offline limited-use token based on the transaction-related activity start time, and
a token entity binding, identifying the entity to which the temporary, entity-specific, offline limited-use token being bound to during the token activation period; and
automatically causing, by the at least one hardware processor, to download the temporary, entity-specific, offline limited-use token to the computing device;
wherein the computing device is configured to communicate the temporary, entity-specific, offline limited-use token to the at least one point-of-sale device that executes at least one subsequent offline transaction request while the computing device is offline during the temporary offline token activation period and restricted to the entity.
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