IP Library › Granted Patent US 8,572,686
Granted Patent B2
US 8,572,686 · App. 13/479,480 · Granted Oct 29, 2013

Method and apparatus for object transaction session validation

Inventor: Rakesh Radhakrishnan (Ashburn, VA)
Assignee: Bank of America Corporation
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 8,572,686
App. No.
13/479,480
Granted
Oct 29, 2013
Kind
B2
Abstract

According to one embodiment, an apparatus may store a plurality of token-based rules. A token-based rule may facilitate access to a resource. The apparatus may further store a plurality of tokens. The apparatus may receive a first token indicating that a transaction associated with the resource has been requested. The apparatus may determine at least one token-based rule based at least in part upon the first token. The at least one token-based rule may condition access to the resource upon a second token. The apparatus may determine that the plurality of tokens includes the second token associated with the at least one token-based rule and generate a session token based at least in part upon the first token and the second token in response to the determination that the plurality of tokens includes the second token. The apparatus may then allow the transaction.

Claims (110)

1. An apparatus comprising:

a memory operable to:

store a plurality of token-based rules, wherein a token-based rule facilitates access to a resource; and

store a plurality of tokens; and

a processor communicatively coupled to the memory and operable to:

receive a first token indicating that a transaction associated with the resource has been requested;

determine at least one token-based rule based at least in part upon the first token, wherein the at least one token-based rule conditions access to the resource upon a second token;

determine that the plurality of tokens includes the second token associated with the at least one token-based rule;

generate a session token based at least in part upon the first token and the second token in response to the determination that the plurality of tokens includes the second token; and

allow the transaction in response to the determination that the plurality of tokens includes the second token.

2. The apparatus of claim 1 , wherein the processor is further operable to:

receive a third token indicating an event affecting the risk associated with granting access to the resource;

determine, based at least in part upon the at least one token-based rule, that access to the resource should be terminated in response to receiving the third token; and

terminate the session token in response to the determination that access to the resource should be terminated.

3. The apparatus of claim 2 , wherein the processor is further operable to:

determine, prior to terminating the session token, that the transaction is incomplete; and

complete the transaction before terminating the session token.

4. The apparatus of claim 2 , wherein the processor is further operable to

receive a fourth token indicating that the event has been resolved; and

determine, based at least in part upon the fourth token and the at least one token-based rule, that access to the resource should be reestablished.

5. The apparatus of claim 4 , wherein the processor is further operable to:

determine, prior to terminating the session token, that the transaction is incomplete;

halt the transaction prior to terminating access to the resource; and

continue the transaction after access to the resource has been reestablished.

6. The apparatus of claim 2 , wherein the processor is further operable to:

generate a decision token indicating that access to the resource should be terminated in response to the determination that access to the resource should be terminated; and

transmit the decision token.

7. The apparatus of claim 2 , wherein:

the event comprises the detection of an unauthorized access of a device; and

the transaction was requested by the device.

8. The apparatus of claim 1 , wherein generating the session token comprises a hash using the first and second tokens.

9. The apparatus of claim 1 , wherein the processor is further operable to:

generate a decision token indicating that access to the resource should be granted in response to the determination that access to the resource should be granted; and

transmit the decision token.

10. The apparatus of claim 1 , wherein:

the transaction is further associated with the RFID tag of an automobile; and

the automobile requested the transaction.

11. The apparatus of claim 1 , wherein the transaction is a purchase transaction requested by an automobile.

12. A method comprising:

storing, by a memory, a plurality of token-based rules, wherein a token-based rule facilitates access to a resource;

storing, by the memory, a plurality of tokens;

receiving, by a processor communicatively coupled to the memory, a first token indicating that a transaction associated with the resource has been requested;

determining, by the processor, at least one token-based rule based at least in part upon the first token, wherein the at least one token-based rule conditions access to the resource upon a second token;

determining, by the processor, that the plurality of tokens includes the second token associated with the at least one token-based rule;

generating, by the processor, a session token based at least in part upon the first token and the second token in response to the determination that the plurality of tokens includes the second token; and

allowing, by the processor, the transaction in response to the determination that the plurality of tokens includes the second token.

13. The method of claim 12 , wherein the processor is further operable to:

receiving, by the processor, a third token indicating an event affecting the risk associated with granting access to the resource;

determining, by the processor, based at least in part upon the at least one token-based rule, that access to the resource should be terminated in response to receiving the third token; and

terminating, by the processor, the session token in response to the determination that access to the resource should be terminated.

14. The method of claim 13 , wherein the processor is further operable to:

determining, by the processor, prior to terminating the session token, that the transaction is incomplete; and

completing, by the processor, the transaction before terminating the session token.

15. The method of claim 13 , wherein the processor is further operable to:

receiving, by the processor, a fourth token indicating that the event has been resolved; and

determining, by the processor, based at least in part upon the fourth token and the at least one token-based rule, that access to the resource should be reestablished.

16. The method of claim 15 , wherein the processor is further operable to:

determining, by the processor, prior to terminating the session token, that the transaction is incomplete;

halting, by the processor, the transaction prior to terminating access to the resource; and

continuing, by the processor, the transaction after access to the resource has been reestablished.

17. The method of claim 13 , wherein the processor is further operable to:

generating, by the processor, a decision token indicating that access to the resource should be terminated in response to the determination that access to the resource should be terminated; and

transmitting, by the processor, the decision token.

18. The method of claim 13 , wherein:

the event comprises the detection of an unauthorized access of a device; and

the transaction was requested by the device.

19. The method of claim 12 , wherein generating the session token comprises a hash using the first and second tokens.

20. The method of claim 12 , wherein the processor is further operable to:

generating, by the processor, a decision token indicating that access to the resource should be granted in response to the determination that access to the resource should be granted; and

transmitting, by the processor, the decision token.

21. The method of claim 12 , wherein:

the transaction is further associated with the RFID tag of an automobile; and

the automobile requested the transaction.

22. The method of claim 12 , wherein the transaction is a purchase transaction requested by an automobile.

23. One or more computer-readable non-transitory storage media embodying software that is operable when executed to:

store a plurality of token-based rules, wherein a token-based rule facilitates access to a resource;

store a plurality of tokens;

receive a first token indicating that a transaction associated with the resource has been requested;

determine at least one token-based rule based at least in part upon the first token, wherein the at least one token-based rule conditions access to the resource upon a second token;

determine that the plurality of tokens includes the second token associated with the at least one token-based rule;

generate a session token based at least in part upon the first token and the second token in response to the determination that the plurality of tokens includes the second token; and

allow the transaction in response to the determination that the plurality of tokens includes the second token.

24. The media of claim 23 , wherein the processor is further operable to:

receive a third token indicating an event affecting the risk associated with granting access to the resource;

determine, based at least in part upon the at least one token-based rule, that access to the resource should be terminated in response to receiving the third token; and

terminate the session token in response to the determination that access to the resource should be terminated.

25. The media of claim 24 , wherein the processor is further operable to:

determine, prior to terminating the session token, that the transaction is incomplete; and

complete the transaction before terminating the session token.

26. The media of claim 24 , wherein the processor is further operable to:

receive a fourth token indicating that the event has been resolved; and

determine, based at least in part upon the fourth token and the at least one token-based rule, that access to the resource should be reestablished.

27. The media of claim 26 , wherein the processor is further operable to:

determine, prior to terminating the session token, that the transaction is incomplete;

halt the transaction prior to terminating access to the resource; and

continue the transaction after access to the resource has been reestablished.

28. The media of claim 24 , wherein the processor is further operable to:

generate a decision token indicating that access to the resource should be terminated in response to the determination that access to the resource should be terminated; and

transmit the decision token.

29. The media of claim 24 , wherein:

the event comprises the detection of an unauthorized access of a device; and

the transaction was requested by the device.

30. The media of claim 23 , wherein generating the session token comprises a hash using the first and second tokens.

31. The media of claim 23 , wherein the processor is further operable to:

generate a decision token indicating that access to the resource should be granted in response to the determination that access to the resource should be granted; and

transmit the decision token.

32. The media of claim 23 , wherein:

the transaction is further associated with the RFID tag of an automobile; and

the automobile requested the transaction.

33. The media of claim 23 , wherein the transaction is a purchase transaction requested by an automobile.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 24, 2012
From: RADHAKRISHNAN, RAKESH
To: BANK OF AMERICA CORPORATION
Reel/Frame 028263/0132 →
Continuity (2)
Continuation In Part 13210101 · Aug 15, 2011
Related Publication 20130046696A1 · Feb 21, 2013