US 11,704,661 B2
Systems and methods for generating and managing dynamic customized electronic tokens for electronic device interaction
Paul Y. Moreton, McLean, VA (US); Matthew De Ganon, McLean, VA (US); and Thomas S. Poole, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 28, 2021, as Appl. No. 17/242,764.
Application 17/242,764 is a continuation of application No. 16/675,211, filed on Nov. 5, 2019, granted, now 11,023,887.
Application 16/675,211 is a continuation of application No. 16/151,240, filed on Oct. 3, 2018, granted, now 10,482,456, issued on Nov. 19, 2019.
Application 16/151,240 is a continuation of application No. 15/700,074, filed on Sep. 8, 2017, granted, now 10,115,104, issued on Oct. 30, 2018.
Claims priority of provisional application 62/394,145, filed on Sep. 13, 2016.
Prior Publication US 2021/0248593 A1, Aug. 12, 2021
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 20/06 (2012.01); G06Q 20/32 (2012.01); G06F 21/44 (2013.01); G06F 21/62 (2013.01); G06F 21/73 (2013.01)
CPC G06Q 20/3672 (2013.01) [G06F 21/44 (2013.01); G06F 21/6209 (2013.01); G06F 21/6272 (2013.01); G06F 21/73 (2013.01); G06Q 20/0652 (2013.01); G06Q 20/327 (2013.01); G06Q 20/385 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/40 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A server system for generating and using electronic tokens, comprising:
one or more storage devices storing instructions; and
one or more processors configured to execute the instructions for:
receiving, from a user device, transaction information corresponding to a transaction;
generating an electronic token based on:
at least one of a user or the user device;
the transaction information; and
a first expiration parameter comprising the transaction information and account information corresponding to the user, wherein the server system dynamically updates the first expiration parameter in response to changes to the transaction information and the account information;
providing the electronic token to the user device;
receiving a transaction request for the transaction, wherein the transaction request includes the electronic token;
verifying that the transaction request is valid by determining whether the first expiration parameter corresponding to the electronic token has been exceeded; and
in response to determining that the first expiration parameter has not been exceeded, authorizing the transaction.