Patent ID: 8689310

Claim:
A system comprising: a processor and a computer-readable medium having computer readable code for instructing the processor to perform a method, the method comprising: authenticating a user via a user device communicating over a network with a service provider; creating in response to authentication of the user a master token on the user device, wherein: the master token includes a quality score; and the master token has an expiration time beyond which it is not valid; checking, by an app on the user device, if the master token is present on the user device; creating, by the app on the user device, a sub-token including the quality score of the master token for the app on the device, wherein: the sub-token of the master token for the app has an expiration time different from that of the master token; and the expiration time of the sub-token for the app is determined based on the quality score of the master token; launching the app using the sub-token to evaluate the level of security provided by the authentication based on the quality score; jumping, by the app when launched, over the login process of the app according to the sub-token so that the app proceeds directly to validating a transaction; and validating the transaction.