System and method for transaction handoff and completion employing ephemeral token
US11475426B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Dec 15, 2020 |
| Grant date | Oct 18, 2022 |
| Priority date | — |
| Expiry date | Jun 30, 2041 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/409
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method for transaction handoff includes: registering a payment instrument with a server, associating the payment instrument with ephemeral tokens, and storing a payment token that associates the ephemeral tokens with the payment instrument and a device identifier in a database record; via a device, receiving an ephemeral token from the server; via a point-of-sale (POS) terminal, scanning the ephemeral token, and transmitting ephemeral token via the internet cloud to the server; via the server, using the payment token to access the device identifier and transmitting a push notification; upon acceptance of the push notification, executing an application on the device and simultaneously displaying transaction details on both the device and POS terminal; receiving completion data that is entered via the device and transmitting the completion data to the server; and completing the transaction at the server and notifying the POS terminal and the device that the transaction is complete.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.