# US 11,113,695 B2 · Token-based determination of transaction processing resources

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- Number: US 11,113,695 B2
- Document ID: US11113695B2
- Status: Granted
- Kind: B2
- Application number: 15/703,680
- Filed: 2017-09-13
- Published: 2018-05-17
- Granted: 2021-09-07
- Earliest claimed: 2016-11-15
- Assignees: Paypal, Inc.
- Applicants: Paypal, Inc.
- Inventors: Dhaval Bhupendrabhai Shah; Nitin Prahbu
- Web page: https://patentgrep.com/patent/US11113695B2

## CPC

- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/321: {using wearable devices}
- G06Q 20/36: using electronic wallets or electronic money safes
- G06Q 20/385: {using an alias or single-use codes}
- 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

## Abstract

The method comprises receiving a token request, from a first transaction system, for generating a token associated with a user account. Responsive to receiving the token request, generating the token that authorizes use of an initial transaction resource at a second transaction system. The method includes generating transaction preferences that associate the token with a plurality of transaction resources at the second transaction system. The token is transmitted to the first transaction system for use at the first transaction system. The method includes receiving a transaction request, including the token, for using the token for a first transaction. In response to receiving the transaction request, the transaction is processed based on the token, a state of the first user account, and the transaction preferences. The processing of the transaction includes determining whether to revise use of the initial transaction resources to one or more other transaction resources.

## Claims

### Claim 1

A method for token-based automatic transaction processing, the method comprising:
receiving, by one or more electronic processors, a token request from a first transaction system, the token request for generating a token associated with a first user account;
in response to receiving the token request,
generating, by the one or more electronic processors, the token that authorizes a use of an initial transaction resource at a second transaction system, and
generating, by the one or more electronic processors, transaction preferences that associate the token with a plurality of transaction resources at the second transaction system;
transmitting, by the one or more electronic processors, the token to the first transaction system for a use via the first transaction system;
receiving, by the one or more electronic processors, a transaction request for using the token for a first transaction;
in response to receiving the transaction request, processing, by the one or more electronic processors, the first transaction based on the token, a monetary balance of the first user account, and the transaction preferences, the processing the first transaction including determining whether to revise the use of the initial transaction resource to one or more other transaction resources;
linking, by the one or more electronic processors, a second user account at the first transaction system with the first user account at the second transaction system, wherein the linking comprises receiving an authorization, from the first transaction system, to change a default transaction resource, at the second transaction system, for a subsequent token; and
exchanging, in response to the linking and between the first transaction system and the second transaction system, registration and configuration information of the first user account and the second user account, the exchanging making the first user account and the second user account accessible at either the first transaction system or at the second transaction system.

### Claim 2 (depends on 1)

The method of claim 1, wherein the token indicates an association with a collection of transaction resources at the second transaction system.

### Claim 3 (depends on 1)

The method of claim 1, wherein the transaction request is received from a provider of a service to a user device that is associated with the token.

### Claim 4 (depends on 1)

The method of claim 1, further comprising:
generating transaction preferences associated with the token, the transaction preferences indicating rules for processing the first transaction associated with the token.

### Claim 5 (depends on 1)

The method of claim 1, further comprising:
accessing token rules to determine a token scope that indicates potential variations in token parameters, wherein the generating the token is based on the token scope.

### Claim 6 (depends on 5)

The method of claim 5, further comprising:
determining, based on the token rules, to create user preferences that modify an application of the token.

### Claim 7 (depends on 5)

The method of claim 5, further comprising:
revising use of the token based on the token scope and parameters of the first user account when the transaction request is received.

### Claim 8 (depends on 1)

The method of claim 1, further comprising:
transmitting a notification to the first transaction system indicating that a scope of the token used by the first transaction system has changed.

### Claim 9

A system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receiving a token request from a first transaction system, the token request for generating a token associated with a first user account;
in response to receiving the token request,
generating the token that authorizes a use of an initial transaction resource at a second transaction system, and
generating transaction preferences that associate the token with a plurality of transaction resources at the second transaction system;
transmitting the token to the first transaction system for a use at the first transaction system;
receiving a transaction request, comprising the token, the transaction request for using the token for a first transaction;
in response to receiving the transaction request, processing the first transaction based on the token, a monetary balance of the first user account, and the transaction preferences, the processing the first transaction including determining whether to revise the use of the initial transaction resource to one or more other transaction resources;
linking a second user account at the first transaction system with the first user account at the second transaction system, wherein the linking comprises receiving an authorization, from the first transaction system, to change a default transaction resource, at the second transaction system, for a subsequent token; and
exchanging, in response to the linking and between the first transaction system and the second transaction system, registration and configuration information of the first user account and the second user account, the exchanging making the first user account and the second user account accessible at either the first transaction system or at the second transaction system.

### Claim 10 (depends on 9)

The system of claim 9, wherein the token indicates an association with a collection of transaction resources at the second transaction system.

### Claim 11 (depends on 9)

The system of claim 9, wherein the transaction request is received from a provider of a service to a user device that is associated with the token.

### Claim 12 (depends on 9)

The system of claim 9, wherein the operations further comprise:
generating transaction preferences associated with the token, the transaction preferences indicating rules for processing the transaction associated with the token.

### Claim 13 (depends on 9)

The system of claim 9, wherein the operations further comprise:
accessing token rules to determine token scope that indicates potential variations in token parameters, wherein the generating the token is based on the token scope.

### Claim 14 (depends on 13)

The system of claim 13, wherein the operations further comprise:
determining, based on the token rules, to create user preferences that modify an application of the token; and
creating the user preferences that modify the application of the token.

### Claim 15

A non-transitory machine-readable medium having instructions stored thereon, the instructions executable to cause one or more hardware processors to perform operations comprising:
receiving a token request from a first transaction system, the token request for generating a token associated with a first user account;
in response to receiving the token request,
generating the token that authorizes a use of an initial transaction resource at a second transaction system, and
generating transaction preferences that associate the token with a plurality of transaction resources at the second transaction system;
transmitting the token to the first transaction system for a use at the first transaction system;
receiving a transaction request for using the token for a first transaction;
in response to receiving the transaction request, processing the first transaction based on the token, a monetary balance of the first user account, and the transaction preferences, the processing the first transaction including determining whether to revise the use of the initial transaction resource to one or more other transaction resources;
linking a second user account at the first transaction system with the first user account at the second transaction system, wherein the linking comprises receiving an authorization, from the first transaction system, to change a default transaction resource, at the second transaction system, for a subsequent token; and
exchanging, in response to the linking and between the first transaction system and the second transaction system, registration and configuration information of the first user account and the second user account, the exchanging making the first user account and the second user account accessible at either the first transaction system or at the second transaction system.

### Claim 16 (depends on 15)

The non-transitory machine-readable medium of claim 15, wherein the token indicates an association with a collection of transaction resources at the second transaction system.

### Claim 17 (depends on 15)

The non-transitory machine-readable medium of claim 15, wherein the transaction request is received from a provider of a service to a user device that is associated with the token.

### Claim 18 (depends on 15)

The non-transitory machine-readable medium of claim 15, wherein the operations further comprise:
generating transaction preferences associated with the token, the transaction preferences indicating rules for processing the first transaction associated with the token.

### Claim 19 (depends on 15)

The non-transitory machine-readable medium of claim 15, wherein the operations further comprise:
accessing token rules to determine a token scope that indicates potential variations in token parameters, wherein the generating the token is based on the token scope.

### Claim 20 (depends on 19)

The non-transitory machine-readable medium of claim 19, wherein the operations further comprise:
determining, based on the token rules, to create user preferences that modify an application of the token; and
creating the user preferences that modify the application of the token.