# US 12,008,605 B2 · Peer-to-peer donation management > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,008,605 B2 - Document ID: US12008605B2 - Status: Granted - Kind: B2 - Application number: 17/651,295 - Filed: 2022-02-16 - Published: 2023-08-17 - Granted: 2024-06-11 - Earliest claimed: 2022-02-16 - Assignees: International Business Machines Corporation - Applicants: International Business Machines Corporation - Inventors: Ravithej Chikkala; Hamid Majdabadi; Manjunath Ravi; Su Liu - Web page: https://patentgrep.com/patent/US12008605B2 ## CPC - G06Q 30/0279: Fundraising management - G06Q 20/065: {using e-cash} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/223: {based on the use of peer-to-peer networks} - G06Q 20/4014: {Identity check for transactions} - G06Q 20/40145: {Biometric identity checks} - G06Q 30/0251: Targeted advertisements - G06Q 30/0631: {Recommending goods or services} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract An embodiment for managing peer-to-peer (P2P) donations in an online transaction is provided. The embodiment may include receiving data relating to a donation agreement from a donor. The embodiment may also include selecting one or more authentication techniques to identify a donee. The embodiment may further include generating a unique redemption authentication token for the donee. The embodiment may also include creating a transient donee account including the generated unique redemption authentication token. The embodiment may further include transferring monetary funds to the created transient donee account with instructions to redeem the transferred monetary funds. The embodiment may also include receiving a request from the donee to redeem the transferred monetary funds utilizing the generated unique redemption authentication token. The embodiment may further include in response to determining the donee is able to be verified, approving the received redemption request. ## Claims ### Claim 1 A computer-based method of managing peer-to-peer (P2P) donations in an online transaction, the method comprising: receiving data relating to a donation agreement from a donor; selecting one or more authentication techniques to identify a donee based on the data relating to the donation agreement, wherein the selected authentication technique includes at least an eye movement pattern of the donee and a voice of the donee; generating a unique redemption authentication token for the donee in response to executing the one or more selected authentication techniques, wherein the unique redemption authentication token includes an electronic ID for the eye movement pattern and the voice of the donee; creating a transient donee account, wherein the created transient donee account includes the generated unique redemption authentication token, wherein creating the transient donee account further comprises adding the unique redemption authentication token to a table associated with the transient donee account; transferring monetary funds to the created transient donee account, wherein transferring the monetary funds further comprises causing a device of the donor to generate audio instructions played for the donee; and receiving a request from the donee to redeem the transferred monetary funds utilizing the generated unique redemption authentication token based on the instructions. ### Claim 2 (depends on 1) The computer-based method of claim 1, further comprising: determining whether the donee is able to be verified based on the generated unique redemption authentication token; and in response to determining the donee is able to be verified, approving the received redemption request. ### Claim 3 (depends on 2) The computer-based method of claim 2, wherein in response to determining the donee is not able to be verified, denying the received redemption request. ### Claim 4 (depends on 2) The computer-based method of claim 2, wherein the created transient donee account is deleted after approving the received redemption request. ### Claim 5 (depends on 1) The computer-based method of claim 1, wherein when the received redemption request from the donee is made after a pre-defined redemption deadline, the transferred monetary funds revert back to the donor. ### Claim 6 (depends on 1) The computer-based method of claim 1, wherein the audio instructions include where and when the transferred monetary funds are to be redeemed. ### Claim 7 (depends on 1) The computer-based method of claim 1, wherein the selected authentication technique is further selected from a group consisting of a fingerprint of the donee, and a passcode given to the donee. ### Claim 8 A computer system, the computer system comprising: one or more processors, one or more computer-readable memories, one or more computer-readable tangible storage medium, and program instructions stored on at least one of the one or more computer-readable tangible storage medium for execution by at least one of the one or more processors via at least one of the one or more computer-readable memories, wherein the computer system is capable of performing a method comprising: receiving data relating to a donation agreement from a donor; selecting one or more authentication techniques to identify a donee based on the data relating to the donation agreement, wherein the selected authentication technique includes at least an eye movement pattern of the donee and a voice of the donee; generating a unique redemption authentication token for the donee in response to executing the one or more selected authentication techniques, wherein the unique redemption authentication token includes an electronic ID for the eye movement pattern and the voice of the donee; creating a transient donee account, wherein the created transient donee account includes the generated unique redemption authentication token, wherein creating the transient donee account further comprises adding the unique redemption authentication token to a table associated with the transient donee account; transferring monetary funds to the created transient donee account, wherein transferring the monetary funds further comprises causing a device of the donor to generate audio instructions played for the donee; and receiving a request from the donee to redeem the transferred monetary funds utilizing the generated unique redemption authentication token based on the instructions. ### Claim 9 (depends on 8) The computer system of claim 8, further comprising: determining whether the donee is able to be verified based on the generated unique redemption authentication token; and in response to determining the donee is able to be verified, approving the received redemption request. ### Claim 10 (depends on 9) The computer system of claim 9, wherein in response to determining the donee is not able to be verified, denying the received redemption request. ### Claim 11 (depends on 9) The computer system of claim 9, wherein the created transient donee account is deleted after approving the received redemption request. ### Claim 12 (depends on 8) The computer system of claim 8, wherein when the received redemption request from the donee is made after a pre-defined redemption deadline, the transferred monetary funds revert back to the donor. ### Claim 13 (depends on 8) The computer system of claim 8, wherein the audio instructions include where and when the transferred monetary funds are to be redeemed. ### Claim 14 (depends on 8) The computer system of claim 8, wherein the selected authentication technique is further selected from a group consisting of a fingerprint of the donee, and a passcode given to the donee. ### Claim 15 A computer program product, the computer program product comprising: one or more computer-readable tangible storage medium and program instructions stored on at least one of the one or more computer-readable tangible storage medium, the program instructions executable by a processor capable of performing a method, the method comprising: receiving data relating to a donation agreement from a donor; selecting one or more authentication techniques to identify a donee based on the data relating to the donation agreement, wherein the selected authentication technique includes at least an eye movement pattern of the donee and a voice of the donee; generating a unique redemption authentication token for the donee in response to executing the one or more selected authentication techniques, wherein the unique redemption authentication token includes an electronic ID for the eye movement pattern and the voice of the donee; creating a transient donee account, wherein the created transient donee account includes the generated unique redemption authentication token, wherein creating the transient donee account further comprises adding the unique redemption authentication token to a table associated with the transient donee account; transferring monetary funds to the created transient donee account, wherein transferring the monetary funds further comprises causing a device of the donor to generate audio instructions played for the donee; and receiving a request from the donee to redeem the transferred monetary funds utilizing the generated unique redemption authentication token based on the instructions. ### Claim 16 (depends on 15) The computer program product of claim 15, further comprising: determining whether the donee is able to be verified based on the generated unique redemption authentication token; and in response to determining the donee is able to be verified, approving the received redemption request. ### Claim 17 (depends on 16) The computer program product of claim 16, wherein in response to determining the donee is not able to be verified, denying the received redemption request. ### Claim 18 (depends on 16) The computer program product of claim 16, wherein the created transient donee account is deleted after approving the received redemption request. ### Claim 19 (depends on 15) The computer program product of claim 15, wherein when the received redemption request from the donee is made after a pre-defined redemption deadline, the transferred monetary funds revert back to the donor. ### Claim 20 (depends on 15) The computer program product of claim 15, wherein the audio instructions include where and when the transferred monetary funds are to be redeemed.