US 12,450,601 B2
Derived unique token per transaction
Phillip H. Griffin, Raleigh, NC (US); and Jeffrey J. Stapleton, O'Fallon, MO (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Nov. 17, 2023, as Appl. No. 18/513,168.
Application 18/513,168 is a continuation of application No. 17/379,509, filed on Jul. 19, 2021, granted, now 11,823,183.
Application 17/379,509 is a continuation of application No. 16/439,325, filed on Jun. 12, 2019, granted, now 11,080,699.
Application 16/439,325 is a continuation of application No. 15/600,512, filed on May 19, 2017, granted, now 10,438,198.
Prior Publication US 2024/0086909 A1, Mar. 14, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/32 (2006.01); G06F 21/62 (2013.01); G06Q 20/12 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/385 (2013.01) [G06F 21/6263 (2013.01); G06Q 20/12 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/4012 (2013.01); H04L 9/3213 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for using tokens between two entities comprising a client device and a server, the method comprising:
generating, by a first one-way function of a client device, a first intermediate value from a number of transactions, the first intermediate value corresponding to a first verification transaction at a server;
generating, by a second one-way function of the client device, a second intermediate value from the first intermediate value, the second intermediate value corresponding to a second verification transaction at the server;
causing, by the client device and based on the first intermediate value, the server to execute the first verification transaction; and
causing, by the client device and based on the second intermediate value, the server to execute the second verification transaction.