Systems and methods for transferring resource access

• US 10,255,768 B2
• Filed: 09/12/2017
• Issued: 04/09/2019
• Est. Priority Date: 05/17/2016
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Basu, Gourab, Maitra, Rajib, Sarkar, Tirtha Mauli
• Primary Examiner(s): Haupt, Kristy A
• Application Number:
  US15/701,871
• Publication Number:
  US 20180005493A1
• Time in Patent Office: 574 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/35765 Access rights to memory zones
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 7/1025 Identification of user by a PIN code

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.

Claims

1. 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.

2. The method of claim 1, wherein at least one the token or the recipient code is invalidated after transferring access to the resource to the recipient.

3. The method of claim 1, wherein access to the resource to the recipient is denied upon determining that the token is invalid at the terminal.

4. The method of claim 3, wherein the token is determined to be invalid at the terminal based on a location of the terminal.

5. The method of claim 1, wherein at least one of the token or the recipient code is provisioned on a communication device of the recipient.

6. The method of claim 5, wherein the terminal receives the request from the communication device of the recipient.

7. The method of claim 6, wherein the terminal receives the request from the communication device of the recipient via a contactless interface.

8. The method of claim 1, wherein the response to the message is generated based on whether the resource is available in an account of the sender indicated by the account identifier.

9. The method of claim 1, wherein the terminal transmits the message to the server computer via a transport computer, and wherein the transport computer controls the terminal.

10. The method of claim 1, wherein the server computer further determines that a counter associated with at least one of the token or the recipient code is at a maximum number, and wherein access to the resource is denied to the recipient based on the response.

11. The method of claim 1, wherein the terminal is an ATM terminal and the sender code is a PIN number of an account of the sender, and the account identifier is an account number of the account of the sender.

12. The method of claim 11, wherein the resource is money in the account of the sender.

13. 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.

14. The terminal of claim 13, wherein at least one of the token or the recipient code is invalidated after transferring access to the resource to the recipient.

15. The terminal of claim 13, wherein access to the resource to the recipient is denied upon determining that the token is invalid at the terminal.

16. The terminal of claim 15, wherein the token is determined to be invalid at the terminal based on a location of the terminal.

17. The terminal of claim 13, wherein at least one of the token or the recipient code is provisioned on a communication device of the recipient.

18. The terminal of claim 17, wherein the terminal receives the request from the communication device of the recipient.

19. The terminal of claim 18, wherein the terminal receives the request from the communication device of the recipient via a contactless interface.

20. The terminal of claim 13, wherein the response to the message is generated based on whether the resource is available in an account of the sender indicated by the account identifier.

21. The terminal of claim 13, wherein the terminal transmits the message to the server computer via a transport computer, and wherein the transport computer controls the terminal.

22. The terminal of claim 13, wherein the server computer further determines that a counter associated with at least one of the token or the recipient code is at a maximum number, and wherein access to the resource is denied to the recipient based on the response.

23. The terminal of claim 13, wherein the terminal is an ATM terminal and the sender code is a PIN number of an account of the sender, and the account identifier is an account number of the account of the sender.