Automated digital method and system of providing or sharing access

A computer-readable medium which contains of set of instructions, which when executed, perform a method for improving conventional account tokenization infrastructure by establishing, integrating, and managing, through an intermediary server, access and utilization constraints upon tokenized accounts, the method executed by the set of instructions comprising:

• selecting an account for which sharing privileges are to be offered;
• defining constraints upon the sharing privileges to the account, the constraints comprising at least one of the following:
• an identification of at least one recipient to receive the sharing privileges,
• a time for enabling and disabling the sharing privileges,
• an amount of asset value within the account to be conveyed with the sharing privileges,
• a quantity of transactions to be permitted with the account,
• at least one vendor approved for transaction with the account, and
• at least one type of transaction available for the sharing privileges;
• sending a request for a digital token for the account, wherein sending the request for the digital token comprises sending the request to at least one of the following:
• an institution associated with the account,
• a digital tokenization service provider associated with the institution corresponding to the account, and
• a digital wallet associated with the account;
• receiving the digital token for the account;
• providing access to the digital token through a controlled interface,
• the controlled interface providing at least one of the following:
• an encryption of the digital token as a virtual identifier,
• a communication means for interacting with at least one of the following:
• a physical POS terminal,
• an e-commerce terminal, and
• an ATM;
• receiving a request to utilize the digital token through the controlled interface for affecting a transaction, wherein receiving the request comprises receiving transaction details associated with the request;
• verifying whether the transaction details are within the constraints established for the account;
• and
• when the transaction details are within the constraints:
• employing the digital token to affect the transaction, wherein employing the digital token comprises:
• enabling the recipient to utilize the controlled interface to facilitate the transaction with the virtual identifier, and
• causing a transfer of asset value from the shared account to facilitate the transaction in response to the utilization of the digital token.

A system comprising:

• a tokenization infrastructure;
• an asset account operative with the tokenization infrastructure;
• an intermediary server configured to establishing, integrating, and managing access and utilization constraints upon the asset account when the asset account is tokenized by the tokenization infrastructure;
• and
• a recipient device comprising a controlled interface configured to receive a digital token associated with the tokenized account, and utilize the tokenized account with the constraints imposed by the intermediary server