# US 10,482,456 B2 · Systems and methods for generating and managing dynamic customized electronic tokens for electronic device interaction

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 10,482,456 B2
- Document ID: US10482456B2
- Status: Granted
- Kind: B2
- Application number: 16/151,240
- Filed: 2018-10-03
- Published: 2019-01-31
- Granted: 2019-11-19
- Earliest claimed: 2016-09-13
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Paul Y Moreton; Matthew de Ganon; Thomas S Poole
- Web page: https://patentgrep.com/patent/US10482456B2

## CPC

- G06Q 20/3672: {initialising or reloading thereof}
- G06F 21/44: Program or device authentication
- G06F 21/6209: {to a single file or object, e.g. in a secure envelope, encrypted and accessed using a key, or with access control rules appended to the object itself}
- G06F 21/6272: {by registering files or documents with a third party}
- G06F 21/73: by creating or determining hardware identification, e.g. serial numbers
- G06Q 20/0652: {e-cash with decreasing value according to a parameter, e.g. time}
- G06Q 20/327: {Short range or proximity payments by means of M-devices}
- G06Q 20/3829: {involving key management}
- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

Systems and methods are provided for generating and managing dynamic customized electronic tokens for electronic device interactions. A system for transferring data between a user device associated with a user and a remote device may include a memory storing instructions and a processor configured to execute the stored instructions. The stored instructions may configure the processor to receive, via a network, transaction information from the remote device, access information associated with an electronic token, and provide the electronic token to the remote device. The electronic token may be associated with at least one of the user or the user device, and a token server may generate the electronic token based on the received transaction information, and determine one or more expiration parameters for the electronic token.

## Claims

### Claim 1

A token-based electronic device interaction system for transferring data between a user device associated with a user and a remote device, comprising:
a token database;
a memory storing instructions; and
a processor configured to execute the stored instructions to:
access information associated with an electronic token, the electronic token being:
associated with at least one of the user or the user device; and
associated with a first expiration parameter,
wherein the first expiration parameter is based on received transaction information associated with a transaction and is determined at an initiation of the transaction;
receive, from the remote device at a time after the initiation of the transaction, a transaction request associated with the transaction, the transaction request comprising modified transaction information associated with the transaction;
determine a second expiration parameter based on the modified transaction information; and
authorize the transaction request when the second expiration parameter is less than or equal to a predetermined threshold of the first expiration parameter.

### Claim 2 (depends on 1)

The system of claim 1, wherein the first expiration parameter comprises a maximum number of authorizations for the electronic token.

### Claim 3 (depends on 1)

The system of claim 1, wherein the transaction request is associated with a pending transaction between the user device and the remote device.

### Claim 4 (depends on 1)

The system of claim 1, wherein the first expiration parameter comprises a maximum number of authorizations of the electronic token.

### Claim 5 (depends on 1)

The system of claim 1, wherein the processor is further configured to execute the stored instructions to generate the electronic token based on an electronic token request from the user device.

### Claim 6 (depends on 1)

The system of claim 1, wherein the processor is further configured to execute the stored instructions to:
store, in the token database, the second expiration parameter.

### Claim 7 (depends on 1)

The system of claim 1, wherein the processor is further configured to execute the stored instructions to:
deny the transaction request if the second expiration parameter is greater than the predetermined threshold of the first expiration parameter.

### Claim 8 (depends on 1)

The system of claim 1, wherein the processor is further configured to execute the stored instructions to:
deactivate the electronic token if the second expiration parameter is greater than the predetermined threshold of the first expiration parameter.

### Claim 9 (depends on 1)

The system of claim 1, wherein the processor is further configured to execute the stored instructions to:
transmit an alert to at least one of the user device or the remote device if the second expiration parameter is greater than the predetermined threshold of the first expiration parameter.

### Claim 10 (depends on 1)

The system of claim 1, wherein the first expiration parameter comprises an expiration date based on a time of the transaction.

### Claim 11 (depends on 10)

The system of claim 10, wherein the first expiration parameter is further based on an expected number of authorizations.

### Claim 12

A method for transferring data between a user device associated with a user and a remote device, the method comprising:
accessing, by a token server, information associated with an electronic token, the electronic token being:
associated with at least one of the user or the user device; and
associated with a first expiration parameter, wherein the first expiration parameter is based on received transaction information associated with a transaction and is determined at an initiation of the transaction;
receiving, from the remote device at a time after the initiation of the transaction, a transaction request associated with the transaction, the transaction request comprising modified transaction information associated with the transaction;
determining a second expiration parameter based on the modified transaction information; and
authorizing the transaction request when the second expiration parameter is less than or equal to a predetermined threshold of the first expiration parameter.

### Claim 13 (depends on 12)

The method of claim 12, wherein determining the second expiration parameter comprises applying one or more rules to the modified transaction information.

### Claim 14 (depends on 12)

The method of claim 12, further comprising storing the modified transaction information in an electronic token database.

### Claim 15 (depends on 12)

The method of claim 12, further comprising storing the second expiration parameter in an electronic token database.

### Claim 16 (depends on 12)

The method of claim 12, further comprising receiving, from the remote device, an indication that a pending transaction associated with the transaction request is completed.

### Claim 17 (depends on 16)

The method of claim 16, further comprising deactivating the electronic token after receipt of the indication that the pending transaction is completed.

### Claim 18 (depends on 16)

The method of claim 16, wherein the pending transaction comprises a purchase transaction.

### Claim 19 (depends on 18)

The method of claim 18, wherein the predetermined threshold is based on an amount of the purchase transaction.

### Claim 20 (depends on 18)

The method of claim 18, wherein the predetermined threshold comprises a number of authorizations, the number of authorizations being a multiple of a number of items associated with the purchase transaction.