| CPC H04L 67/141 (2013.01) [G06K 7/1417 (2013.01); H04L 67/146 (2013.01)] | 17 Claims |
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1. A system comprising:
a host processor registering a first user;
a plurality of service processors;
a universal processor associated with the host processor and capable of exchanging data with each of the service processors, wherein the universal processor bridges data transactions between the host processor and each of the service processors, wherein:
the universal processor establishes a pre-authorized secure connection with one or more of the service processors; and
the universal processor authorizes the pre-authorized secure connection with a particular service processor when the particular service processor satisfies a minimum threshold security standard;
a first user device of the first user communicatively coupled to the universal processor, wherein the first user is registered with the host processor and has a first user account stored at the host processor that allows the first user to use data processing services provided by the host processor using the first user device of the first user;
a second user device of a second user communicatively coupled to at least one service processor of the plurality of service processors, wherein the second user is registered with the at least one service processor and has a second user account with the at least one service processor that allows the second user to use data processing services provided by the at least one service processor using the second user device of the second user, wherein the host processor and the at least one service processor are implemented by different service providers;
wherein the universal processor is configured to:
receive from the first user device a request for performing a data transaction between the host processor and the at least one service processor, wherein the data transaction comprises a data transfer between the first user account at the host processor and the second user account at the at least one service processor;
generate a code that can be interpreted only by the at least one service processor, wherein:
the code is generated according to at least one rule set by the at least one service processor;
the at least one rule is unique for the at least one service processor and is different from at least one second rule set by a second service processor;
the code comprises information needed by the at least one service processor to perform the data transaction between at least one service processor and the host processor; and
the information at least comprises an identity of the first user account, an identity of the second user account, a transaction identifier for the data transaction, and a network address of the universal processor; and
transmit the code to the first user device;
wherein the first user device is configured to transmit the code to the second user device;
wherein the second user device is configured to transmit the code to the at least one service processor;
wherein the at least one service processor is configured to:
receive the code from the second user device;
decode the code to extract the information included in the code;
transmit to the universal processor a request to perform the data transaction with the host processor based on the extracted information from the code, wherein transmitting the request to the universal processor comprises transmitting the request to the universal processor at the network address of the universal processor extracted from the code; and
perform the data transaction with the host processor using the universal processor;
wherein the universal processor is further configured to:
receive the request from the at least one service processor; and
in response, set up the data transaction between the host processor and the at least one service processor, wherein setting up the data transaction comprises performing the data transfer between the first user account at the host processor and the second user account at the at least one service processor using the pre-authorized secure connection between the universal processor and the at least one service processor.
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