US 11,775,953 B2
Systems, methods, and devices for secure generation and processing of data sets representing pre-funded payments
Edison U. Ortiz, Orlando, FL (US); Terry W. Lee, Toronto (CA); Marko Pavlovic, Toronto (CA); and Arnold Badal-Badalian, Toronto (CA)
Assigned to ROYAL BANK OF CANADA, Montreal (CA)
Filed by ROYAL BANK OF CANADA, Toronto (CA)
Filed on Dec. 23, 2021, as Appl. No. 17/561,638.
Application 17/561,638 is a continuation of application No. 15/453,193, filed on Mar. 8, 2017, granted, now 11,210,648.
Application 15/453,193 is a continuation in part of application No. 15/201,428, filed on Jul. 2, 2016, granted, now 11,080,701, issued on Aug. 3, 2021.
Application 15/201,428 is a continuation in part of application No. 15/000,685, filed on Jan. 19, 2016, granted, now 11,080,700, issued on Aug. 3, 2021.
Application 15/453,193 is a continuation in part of application No. 15/000,685, filed on Jan. 19, 2016, granted, now 11,080,700, issued on Aug. 3, 2021.
Application 15/000,685 is a continuation in part of application No. 14/879,913, filed on Oct. 9, 2015.
Application 14/879,913 is a continuation in part of application No. 14/869,186, filed on Sep. 29, 2015.
Application 15/453,193 is a continuation in part of application No. 14/705,477, filed on May 6, 2015, granted, now 10,846,692, issued on Nov. 24, 2020.
Application 14/869,186 is a continuation in part of application No. 14/705,477, filed on May 6, 2015, granted, now 10,846,692, issued on Nov. 24, 2020.
Application 14/705,477 is a continuation of application No. 14/287,134, filed on May 26, 2014, abandoned.
Application 14/287,134 is a continuation of application No. 14/056,440, filed on Oct. 17, 2013, granted, now 9,082,119, issued on Jul. 14, 2015.
Application 14/705,477 is a continuation of application No. 14/056,440, filed on Oct. 17, 2013, granted, now 9,082,119, issued on Jul. 14, 2015.
Claims priority of provisional application 62/305,429, filed on Mar. 8, 2016.
Claims priority of provisional application 62/200,859, filed on Aug. 4, 2015.
Claims priority of provisional application 62/188,067, filed on Jul. 2, 2015.
Claims priority of provisional application 62/118,990, filed on Feb. 20, 2015.
Claims priority of provisional application 62/105,061, filed on Jan. 19, 2015.
Claims priority of provisional application 62/089,210, filed on Dec. 8, 2014.
Claims priority of provisional application 62/084,549, filed on Nov. 25, 2014.
Claims priority of provisional application 62/078,683, filed on Nov. 12, 2014.
Claims priority of provisional application 62/065,280, filed on Oct. 17, 2014.
Claims priority of provisional application 62/062,467, filed on Oct. 10, 2014.
Claims priority of provisional application 62/058,799, filed on Oct. 2, 2014.
Claims priority of provisional application 62/056,688, filed on Sep. 29, 2014.
Claims priority of provisional application 61/863,593, filed on Aug. 8, 2013.
Claims priority of provisional application 61/833,188, filed on Jun. 10, 2013.
Claims priority of provisional application 61/825,865, filed on May 21, 2013.
Claims priority of provisional application 61/811,783, filed on Apr. 14, 2013.
Claims priority of provisional application 61/715,142, filed on Oct. 17, 2012.
Prior Publication US 2022/0114571 A1, Apr. 14, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/28 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); H04L 9/40 (2022.01); G06Q 20/20 (2012.01)
CPC G06Q 20/28 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/351 (2013.01); G06Q 20/36 (2013.01); G06Q 20/367 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/385 (2013.01); G06Q 20/387 (2013.01); G06Q 20/40 (2013.01); H04L 63/0428 (2013.01); G06Q 2220/00 (2013.01); H04L 2209/56 (2013.01); H04L 2209/80 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A user device comprising:
at least one data processor; and
at least one persistent memory, the at least one persistent memory comprising secure data storage media and stored, machine-interpretable instructions adapted to configure the at least one data processor to:
access in the secure data storage media data representing at least a negotiable pre-funded token data set, the negotiable pre-funded token data set comprising data representing at least a pre-funded negotiable amount and a negotiable pre-funded payment authorization, the pre-funded negotiable amount associated with a general ledger account of a token administration system;
generate a secure negotiable pre-funded token transfer data set, the secure negotiable pre-funded token transfer data set comprising data identifying a pre-funded token transfer recipient, data representing the negotiable pre-funded payment authorization, and a negotiable pre-funded token transfer amount;
modify the pre-funded token transfer data set used to generate the pre-funded token to include:
data representing the same or another negotiable pre-funded payment authorization; and
verification data for use in the authorization of the recipient to access the pre-funded token;
route the secure negotiable pre-funded token transfer data set to a network address associated with the token administration system, the secure negotiable pre-funded token transfer data set to be associated with the general ledger account;
receive from the token administration system a negotiable pre-funded token associated with the general ledger account;
route the negotiable pre-funded token to a network address associated with the pre-funded token transfer recipient;
receive a confirmation, from the token administrator system, that a transaction associated with the negotiated pre-funded token has been completed, wherein the general ledger account is debited by the negotiable pre-funded amount; and
where the transaction comprised a transaction amount less than the negotiable pre-funded amount, receive, from the token administration system a new negotiable pre-funded token associated with a new general ledger account, the new pre-funded token comprising a new pre-funded negotiable amount corresponding to a remainder amount following the transaction.