Patent ID: 8781965
Filing Date: 2014-07-15
Classification: G06Q

Abstract:
1. A method to facilitate a transaction, comprising: receiving, at a network-connected transaction server, a request to transfer one or more transaction items involving a first user account on the transaction server, wherein the transaction server is configured to receive requests from a plurality of user types corresponding to a plurality of transaction types, wherein the transaction items include money, money equivalents, loyalty credits, products, services, and content; selecting a delivery instrument from one or more available delivery instruments associated with the first user account on the transaction server; authorizing, by the transaction server, the request based at least upon a unique identifier including a unique transaction identifier associated with the request, a unique user device identifier associated with a user access device, and a unique user identifier, wherein the unique transaction identifier and the unique user device identifier provide a character sequence that represents a device fingerprint, information regarding the transaction items and, wherein the unique identifier includes analytics data encoding information on the user's purchase and payment behavior based on past performance, and wherein the unique user identifier has embedded logic configured to cause the unique user identifier to evolve over time based on its security level, so that the unique user identifier becomes more trusted as the user executes more transactions; validating the transaction using embedded context in the character sequence of the unique identifier; and transferring a quantity of the one or more transaction items into or out of the selected delivery instrument, wherein the quantity is determined at least based upon the authorized request, wherein the selected delivery instrument are repositories or accounts associated with respective users, merchants, financial or retail institutions, organizations, content providers, or direct users.