Systems and methods for transferring resource access
AssigneeVisa International Service Association
InventorsGourab Basu, Rajib Maitra, Tirtha Mauli Sarkar
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Abstract
Systems and methods for transferring resource access from a sender to a recipient are disclosed that can allow a sender to specify an amount of a resource to provide access to (e.g., an amount of money or an amount of access rights), while still providing security for the sender's sensitive credential information (e.g., PAN and/or PIN). These systems and methods can allow a sender to transfer resource access from any location and at any time of the day. In the case of money transfers, the recipient can quickly and directly obtain the money from any ATM location associated with any bank and at any time of the day, even without a bank account.
Claims23
A method comprising:
- receiving, at a terminal from a recipient, a request to transfer access to a resource from a sender to the recipient, the request including a token and a recipient code, wherein the token corresponds to an account identifier associated with the sender, wherein the account identifier is associated with a sender code, and wherein the sender code is associated with the recipient code;
- generating, by the terminal, a message using the request;
- transmitting, by the terminal, the message to a server computer, wherein the server computer translates the token into the account identifier and the recipient code into the sender code, and wherein the server computer processes the message using the account identifier and the sender code;
- receiving, by the terminal, a response to the message;
- and
- transferring access to the resource to the recipient or denying access to the resource to the recipient based on the response.
A terminal comprising:
- a processor;
- and
- a memory element comprising code, executable by the processor, for implementing a method comprising:
- receiving, from a recipient, a request to transfer access to a resource from a sender to the recipient, the request including a token and a recipient code, wherein the token corresponds to an account identifier associated with the sender, wherein the account identifier is associated with a sender code, and wherein the sender code is associated with the recipient code;
- generating a message using the request;
- transmitting the message to a server computer, wherein the server computer translates the token into the account identifier and the recipient code into the sender code, and wherein the server computer processes the message using the account identifier and the sender code;
- receiving a response to the message;
- and
- transferring access to the resource to the recipient or denying access to the resource to the recipient based on the response.
Dependencies are inferred from the claim text.