US 12,136,107 B2
Secure multi-factor tokenization-based push/response commerce platform
Shaunt M. Sarkissian, Reno, NV (US)
Assigned to TBOL, Inc., Surprise, AZ (US)
Filed by TBOL, Inc., Surprise, AZ (US)
Filed on Feb. 9, 2024, as Appl. No. 18/438,083.
Application 18/438,083 is a continuation of application No. 18/048,263, filed on Oct. 20, 2022, granted, now 11,935,092.
Application 18/048,263 is a continuation of application No. 17/024,142, filed on Sep. 17, 2020, granted, now 11,507,946, issued on Nov. 22, 2022.
Application 17/024,142 is a continuation of application No. 15/590,907, filed on May 9, 2017, granted, now 11,556,920, issued on Jan. 17, 2023.
Claims priority of provisional application 62/333,748, filed on May 9, 2016.
Prior Publication US 2024/0320708 A1, Sep. 26, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/0251 (2023.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 30/0253 (2013.01) [G06Q 20/3674 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/405 (2013.01); G06Q 30/0268 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A method to improve secure transactions between a merchant and a customer, the method comprising:
receiving, by a processor, a fragmented authentication token configured to authenticate a secure checkout procedure at a payment checkout platform;
transmitting, by the processor, the fragmented authentication token to a customer device;
transmitting, by the processor, a digital link configured to pass along an offer ID to the customer device to an advertisement content network;
receiving, by the processor, the offer ID passed from the digital link and the fragmented authentication token from the customer device, wherein the fragmented authentication token has been authenticated by the customer device;
correlating, by the processor, the received offer ID with the merchant and the received authenticated fragmented authentication token with the customer device; and
initiating, by the processor, the secure checkout procedure by transmitting merchant offer data, merchant account information, customer payment information, or the authenticated fragmented authentication token in association with a purchase of a product.