Granted Patent B2

US 12,572,943 · App. 16/690,049 · Granted Mar 10, 2026

Inventors: Yuh-shen Song (Porter Ranch, CA); Catherine Lew (Porter Ranch, CA); Alexander Song (Porter Ranch, CA); Victoria Song (Porter Ranch, CA)

Assignee: APEX TECHLINK, INC.

G06Q20/405G06F21/33G06Q20/02G06Q20/10G06Q20/108G06Q20/32G06Q20/38G06Q20/382G06Q20/3821G06Q20/385G06Q20/40G06Q20/401G06Q20/4012G06Q20/4014G06Q20/40145G06Q20/4016G06Q30/0248G06Q40/12G06Q50/265H04L63/101H04L63/102

Abstract

Claims (70)

1 . A method by a digital authorization system comprising a central computer comprising a plurality of device interfaces, the method comprising:

reading, by a first device interface of the plurality of device interfaces, first biometric information from a document of a first party;

authenticating, by the central computer, an identity of the first party by:

reading, by the first device interface, second biometric information of the first party,

comparing the first and second biometric information, and

determining a match between the first and second biometric information; opening, by the central computer, an account for the first party;

assigning, by the central computer, a personal identification number (PIN) to the first party;

storing, by the central computer, an indication of an amount of funds in the account;

generating, by the central computer, a barcode based on the opened account and transmitting, by the central computer, the barcode to a device of the first party, wherein the barcode comprises barcode data;

receiving, by the central computer, the barcode data and an amount of a transaction from a merchant computer via a second device interface of the plurality of device interfaces, wherein receiving the barcode data comprises reading, by the second device interface, the transmitted barcode from the device;

identifying, by the central computer, the opened account from the received barcode data;

receiving, by the central computer and via the second device interface, an identifier from the merchant computer;

verifying, by the central computer, the identifier is the PIN;

determining, by the central computer, there are funds in the account that cover the amount of the transaction based on the indication;

freezing, by the central computer, the funds in the account;

generating, by the central computer, a passcode having an expiration time;

transmitting, by the central computer, the passcode to the device;

receiving, by the central computer, the transmitted passcode from the merchant computer, via the second device interface;

determining, by the central computer, based on the expiration time, that the passcode has expired; and

unfreezing, by the central computer, the funds in the account.

2 . The method of claim 1 , in which identification data of the first party is associated with at least one of a name, an address, a date of birth, a personal identification number, a user ID, a password, a tax identification number, a social security number, a type of identification document, an identity number of a document, a driver's license, a passport, an alien identification card, a student identification card, a social security card, a tax identification card, a national identification card, a voter identification card, a benefits card, a government issued identification document, a private organization issued identification document, an expiration date of an identification document, a phone number, a screen name, an e-mail address, a photograph, a fingerprint, an iris scan, a physical description, a biometrical information, or a combination thereof.

3 . The method of claim 1 , in which the device of the first party comprises at least one of a computer system, a personal communications device, a device interface, or a combination thereof.

4 . The method of claim 3 , in which the first device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a Smartbook interface, a Personal Digital Assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

5 . The method of claim 1 , in which the merchant computer comprises at least one of a computer system, a personal communications device, a third device interface, or a combination thereof.

6 . The method of claim 5 , in which the third device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a Smartbook interface, a Personal Digital Assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

7 . The method of claim 1 , in which the central computer comprises at least one of a computer, a personal communications device, or a combination thereof.

8 . The method of claim 7 , in which the first device interface comprises at least one of a keyboard, a keypad, a monitor, a display, a terminal, a computer, a control panel, a vehicle dash board, a network interface, a machinery interface, a video interface, an audio interface, an electronic interface, a magnetic interface, an electromagnetic interface including an electromagnetic wave interface, an optical interface, a light interface, an acoustic interface, a contactless interface, a mobile phone interface, a smartphone interface, a Smartbook interface, a personal digital assistant (PDA) interface, a handheld device interface, a portable device interface, a wireless interface, a wired interface, or a combination thereof.

9 . The method of claim 1 , in which an address of the device comprises at least one of an email address, a phone number, an identification number, or a combination thereof.

10 . The method of claim 1 , in which the transaction is associated with at least one of payment, fund transfer, money service, payroll, invoicing, trading, escrow, insurance, underwriting, merger, acquisition, account opening, account closing, balance check, inquiry, instruction, investigation, authorization, approval, consent, agreement, confirmation, rejection, or a combination thereof.

11 . A non-transitory computer-readable medium storing executable program code that, when executed by a processor of a central computer system comprising a plurality of device interfaces, causes the processor of the central computer system to perform the operations of:

reading, via a first device interface of the plurality of device interfaces, first biometric information from a document of a first party;

authenticating an identity of the first party by:

reading, via the first device interface, second biometric information of the first party,

comparing the first and second biometric information, and

determining a match between the first and second biometric information; opening an account for the first party;

assigning a personal identification number (PIN) to the first party;

storing an indication of an amount of funds in the account;

generating a barcode based on the opened account;

transmitting the barcode to a device of the first party, the barcode comprising barcode data;

receiving the barcode data and a transaction amount from a merchant computer via a second device interface of the plurality of device interfaces, receiving the barcode data comprising reading, via the second device interface, the transmitted barcode from the device;

identifying the opened account from the received barcode data;

receiving, via the second device interface, an identifier from the merchant computer; verifying that the identifier is the PIN;

determining there are funds in the account that cover the transaction amount based on the indication;

freezing the funds in the account;

generating a passcode and transmitting the passcode to the device, wherein the passcode has an expiration time;

receiving the transmitted passcode from the merchant computer, via the second device interface;

determining based on the expiration time, that the passcode has expired; and

unfreezing the funds in the account.

12 . A central computer system, comprising:

a central computer;

a plurality of device interfaces; and

a memory storing executable instructions that, when executed by the central computer, cause the central computer to perform the operations of:

reading, via a first device interface of the plurality of device interfaces, first biometric information from a document of a first party;

authenticating an identity of the first party by:

reading, via the first device interface, second biometric information of the first party,

comparing the first and second biometric information, and

determining a match between the first and second biometric information; opening an account for the first party;

assigning a personal identification number (PIN) to the first party;

storing an indication of an amount of funds in the account;

generating a barcode based on the opened account, the barcode comprising barcode data; transmitting the barcode to a device of the first party;

receiving the barcode data and a transaction amount from a merchant computer via a second device interface of the plurality of device interfaces, receiving the barcode data comprising reading, via the second device interface, the transmitted barcode from the device;

identifying the opened account from the received barcode data;

receiving, via the second device interface, an identifier from the merchant computer;

verifying that the identifier is the PIN;

determining that there are funds in the account that cover the transaction amount based on the indication;

freezing the funds in the account;

generating a passcode and transmitting the passcode to the device, wherein the passcode has an expiration time;

receiving the transmitted passcode from the merchant computer, via the second device interface;

determining based on the expiration time, that the passcode has expired; and

unfreezing the funds in the account.

Assignments (2)

Continuity (6)

References Cited (60)