Patent ID: 9613355
Date: 2017-04-04
CPC Classifications: G06Q

Claim:
1. A system for multi-layer transaction tracking, the system comprising: a computer apparatus including a processor and a memory; and a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to: provide a first dedicated secure transaction channel to a device of a user for sending information to and receiving information from the device of the user, wherein the user is approved to authorize one or more transactions with a payee but is not approved to verify the one or more transactions; receive, via the first dedicated secure transaction channel, a request for a preauthorization code from the user, wherein the pre-authorization code request comprises a request from the user to conduct the one or more transactions in a secure manner; in response to receiving the request for the pre-authorization code from the user, terminate the first dedicated secure transaction channel; provide a second dedicated secure transaction channel to the device of the user for sending information to and receiving information from the device of the user; generate a pre-authorization code in response to the received pre-authorization code request; in response to generating the pre-authorization code, transmit control signals, via the second dedicated secure transaction channel, configured to cause the device of the user to display the pre-authorization code; in response to generating the pre-authorization code, transmit control signals, via the second dedicated secure transaction channel, configured to cause the device of the user to encrypt transaction data; receive, from the second dedicated secure transaction channel, the encrypted transaction data associated with the one or more transactions from the device of the user via the transaction channel, wherein the encrypted transaction data comprises comprising at least the pre-authorization code; unlock the encrypted transaction data, using at least a portion of the pre-authorization code, to create an unencrypted transaction data; identify one or more transactions and a received pre-authorization code based on the unencrypted transaction data; match the transmitted pre-authorization code and the received preauthorization code; in response to matching the received pre-authorization code and the sent preauthorization code, provide a third dedicated secure transaction channel to a device of a second user for sending information to and receiving information from the device of the second user, wherein the second user has authority to verify the one or more transactions, and wherein the second user is not the payee; in response to providing the third dedicated secure transaction channel, transmit control signals, via the third dedicated secure transaction channel, configured to cause the device of the second user to display a post verification notification comprising the identified one or more transactions and a post verification code, wherein the pre-authorization code and the post verification code comprise different code sequences; and receive, via the third dedicated secure transaction channel, a post verification confirmation comprising the post verification code from the device of the second user in response to the post verification notification; and in response to receiving the post verification confirmation, process the one or more transactions to the payee.