The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 17, 2025
Filed:
Oct. 29, 2020
United Services Automobile Association (Usaa), San Antonio, TX (US);
Bryan J. Osterkamp, New Braunfels, TX (US);
Cory A. Matheson, Celina, TX (US);
Curtis Mark Bell, San Antonio, TX (US);
Ashley Raine Philbrick, San Antonio, TX (US);
Nathan Lee Post, Rockport, TX (US);
Noe Alberto Martinez, San Antonio, TX (US);
David M. Jones, Jr., San Antonio, TX (US);
Oscar Guerra, San Antonio, TX (US);
Janelle Denice Dziuk, Falls City, TX (US);
Zachery C. Lake, Aubrey, TX (US);
Yevgeniy Viatcheslavovich Khmelev, San Antonio, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
A computer may generate a temporary digital wallet containing one or more anonymous payment tokens and transmit the temporary digital wallet to a user device of a user. When the user provides an anonymous payment token of the one or more anonymous payment tokens to a point of sale (POS) system, the computer may receive from the POS system or other systems connected thereto, a request to authorize payment for the anonymous payment token. The request to authorize payment may also include an amount to be paid by the user to the POS system. Using the anonymous payment token, the computer may retrieve a user account and determine that the user account has sufficient funds for the transaction. Based upon the determination that the user account has sufficient funds, the computer may transmit an authorization confirmation back to the POS system or any other system that the authorization request originated from.