Patent ID: 9569776
Date: 2017-02-14
CPC Classifications: G06Q

Claim:
1. A system comprising: an intermediate entity maintaining duplicate sequencers used in producing one-time-use encryption keys for registered user devices and registered provider devices, said intermediate entity causing a provider device, of said registered provider devices, to encrypt provider input related to a transaction between said provider device and a user device, of said registered user devices, to create an encrypted one-time-use provider code using a one-time-use provider encryption key produced, in part, using a uniquely sequenced number generated by a provider sequencer maintained by said provider device, said intermediate entity causing said user device to encrypt user input related to said transaction to create an encrypted one-time-use user code using a one-time-use user encryption key produced, in part, using a uniquely sequenced number generated by a user sequencer maintained by said user device, said provider sequencer and said user sequencer separately producing different encryption keys for said transaction, said provider device using said uniquely sequenced number generated by said provider sequencer to produce said encrypted one-time-use provider code for said transaction, and said user device using said uniquely sequenced number generated by said user sequencer to produce said encrypted one-time-use user code for said transaction, said provider sequencer and said user sequencer being separately synchronized with corresponding ones of said duplicate sequencers maintained by said intermediate entity, such that said provider sequencer is synchronized with a corresponding duplicate sequencer maintained by said intermediate entity and said user sequencer is synchronized with a different duplicate sequencer maintained by said intermediate entity, and said provider sequencer and said user sequencer produce different encryption keys for a given transaction, said provider sequencer, said user sequencer, and said duplicate sequencers producing different one-time-use encryption keys for each different transaction to prevent any one-time-use encryption key from being used for different transactions, said intermediate entity causing said provider device to independently transmit said encrypted one-time-use provider code to said intermediate entity for an authorization of said transaction, and said user device to independently transmit said encrypted one-time-use user code to said intermediate entity for said authorization of said transaction, such that said provider device only provides an encrypted provider half of said transaction to said intermediate entity and said user device only provides an encrypted user half of said transaction to said intermediate entity, said intermediate entity decrypting said encrypted one-time-use provider code and decrypting said encrypted one-time-use user code using one-time-use encryption keys independently produced by said intermediate entity using corresponding ones of said duplicate sequencers maintained by said intermediate entity, said intermediate entity decrypting said encrypted one-time-use provider code and decrypting said encrypted one-time-use user code to produce unencrypted provider input related to said transaction and unencrypted user input related to said transaction; said intermediate entity combining said unencrypted provider input related to said transaction and said unencrypted user input related to said transaction to generate a single authorization request for said transaction, said intermediate entity obtaining an authorization decision regarding said single authorization request from an authorization entity, and said intermediate entity outputting said authorization decision.