Systems and methods for transferring resource access
AssigneeVisa International Service Association
InventorsGourab Basu, Rajib Maitra, Tirtha Mauli Sarkar
Life of this patent
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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.
Claims22
A method comprising:
- receiving, at a server computer, a first request to transfer access to a resource from a sender to a recipient, the first request including an account identifier associated with the sender and a recipient identifier, wherein the account identifier is associated with a sender code;
- generating, by the server computer, a token corresponding to the account identifier and a recipient code associated with the sender code;
- sending, by the server computer, the token and the recipient code to the recipient using the recipient identifier;
- receiving, by the server computer, a second request to access the resource, the second request including the token and the recipient code;
- translating, by the server computer, the token into the account identifier and the recipient code into the sender code;
- and
- processing, by the server computer, the second request using the account identifier and the sender code.
A server computer comprising:
- a processor;
- and
- a memory element comprising code, executable by the processor, for implementing a method comprising:
- receiving a first request to transfer access to a resource from a sender to a recipient, the first request including an account identifier associated with the sender and a recipient identifier, wherein the account identifier is associated with a sender code;
- generating a token corresponding to the account identifier and a recipient code associated with the sender code;
- sending the token and the recipient code to the recipient using the recipient identifier;
- receiving a second request to access the resource, the second request including the token and the recipient code;
- translating the token into the account identifier and the recipient code into the sender code;
- and
- processing the second request using the account identifier and the sender code.
Dependencies are inferred from the claim text.