PROXY CARD AUTHORIZATION SYSTEM
First Claim
1. A proxy card associated with a proxy account, the proxy account comprising details of one or more resources to which a first party has access, wherein access to one or more of the resources by a second party is granted in dependence on the proxy card and is governed by authorization rules, the rules being preconfigured by the first party.
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Accused Products
Abstract
A system and method is provided for providing proxy access to a set of resources subject to constraints specified by the primary party having access to the resources. The system comprises one or more proxy cards associated with a proxy account that contains details on the resources available and also configurable rules for processing proxy authorization requests and returning an authorization response in dependence on the rules. The system has a particular application to payment cards and accounts, whereby the proxy card can act as proxy for one or more of the real payment cards and the proxy card authentication service may operate in a transparent manner as part of a normal overall payment authorization process.
337 Citations
42 Claims
- 1. A proxy card associated with a proxy account, the proxy account comprising details of one or more resources to which a first party has access, wherein access to one or more of the resources by a second party is granted in dependence on the proxy card and is governed by authorization rules, the rules being preconfigured by the first party.
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9. A method for governing access by a second party to one or more resources available to a first party comprising the steps of:
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receiving a request for authorization to access the one or more resources in dependence on a proxy card; determining whether the one or more resources are associated with the proxy card; applying authorization rules to determine whether access to the one or more resources should be granted, the rules having been preconfigured by the first party; and
,transmitting a reply indicating whether authorization to access the one or more resources has been granted. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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29. A system for governing access by a second party to one or more resources available to a first party comprising:
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a storage medium comprising a database which includes details of the resources available to the first party; and
,a proxy account server having a processor coupled to the storage medium, the processor adapted to perform the steps of; receiving a request for authorization to access the one or more resources in dependence on a proxy card; determining whether the one or more resources are associated with the proxy card; applying authorization rules to determine whether access to the one or more resources should be granted, the rules having been preconfigured by the first party; and
,transmitting a reply indicating whether authorization to access the one or more resources has been granted. - View Dependent Claims (30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42)
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Specification