Systems and methods for transferring resource access
First Claim
Patent Images
1. A method comprising:
- obtaining, by a server computer, a token corresponding to an account identifier and a recipient code associated with a sender code, the account identifier and the sender code associated with a sender, and the token and the recipient code capable of being used at only at a specific terminal;
sending, by the server computer, the token and the recipient code to a recipient using a recipient identifier;
receiving, by the server computer, a request to access a resource, the request including the token and the recipient code, from the specific terminal;
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 request using the account identifier and the sender code.
0 Assignments
0 Petitions
Accused Products
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.
-
Citations
20 Claims
-
1. A method comprising:
-
obtaining, by a server computer, a token corresponding to an account identifier and a recipient code associated with a sender code, the account identifier and the sender code associated with a sender, and the token and the recipient code capable of being used at only at a specific terminal; sending, by the server computer, the token and the recipient code to a recipient using a recipient identifier; receiving, by the server computer, a request to access a resource, the request including the token and the recipient code, from the specific terminal; 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 request using the account identifier and the sender code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
12. A server computer comprising:
-
a processor; and a memory element comprising code, executable by the processor, for implementing a method comprising; obtaining a token corresponding to an account identifier and a recipient code associated with a sender code, the account identifier and the sender code associated with a sender, and the token and the recipient code capable of being used at only at a specific terminal; sending the token and the recipient code to a recipient using a recipient identifier; receiving a request to access a resource, the request including the token and the recipient code, from the specific terminal; translating the token into the account identifier and the recipient code into the sender code; and processing the request using the account identifier and the sender code. - View Dependent Claims (13, 14, 15, 16, 17, 18)
-
-
19. A system comprising:
-
a server computer comprising a processor, and a memory element comprising code, executable by the processor, for implementing a method comprising obtaining a token corresponding to an account identifier and a recipient code associated with a sender code, the account identifier and the sender code associated with a sender, and the token and the recipient code capable of being used at only at a specific terminal, sending the token and the recipient code to a recipient using a recipient identifier, receiving a request to access a resource, the request including the token and the recipient code, from the specific terminal, translating the token into the account identifier and the recipient code into the sender code, and processing the request using the account identifier and the sender code; and the specific terminal in communication with the server computer. - View Dependent Claims (20)
-
Specification