SECURITY IMPLEMENTATION FOR USER RESOURCE DISTRIBUTION

• US 20170278098A1
• Filed: 03/28/2016
• Published: 09/28/2017
• Est. Priority Date: 03/28/2016
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Castinado, Joseph Benjamin, Corrado, Stephen A., Mork, Phillip Wade, Purushothaman, Sasidhar, Sachs, Evan
• Application Number:
  US15/082,964
• Publication Number:
  US 20170278098A1
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment

Abstract

A system for securely distributing resources includes a smart device and a third party system each having a network communication interface, a memory device and a processing device. In the smart device the processing device is configured to: communicate host information from the smart device to an associated host entity system; and communicate resource distribution information from the smart device to a third party system. The resource distribution information is usable by the third party system to securely distribute a resource from the third party system to the host entity system. In the third party system the processing device is configured to: receive resource distribution information from the smart device where the resource distribution information is used to distribute a resource to the host entity system; and distribute the resource to the host entity system based on the resource distribution information.

Claims

1. A smart device comprising:

a network communication interface;

a memory device storing a smart device operating application and a third party application;

a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to;

communicate host information from the smart device to a host entity system; and

communicate resource distribution information from the smart device to a third party system where the third party system is different than the host entity system, the resource distribution information usable by the third party system to securely distribute a resource from the third party system to the host entity system.

2. The system of claim 1, wherein the host information comprises at least one of a usage level and an identification of a renewable product.

3. The system of claim 1, wherein the resource distribution information comprises a secured request.

4. The system of claim 3, wherein the secured request comprises a request for payment to the host entity system.

5. The system of claim 4, wherein the secured request comprises a token.

6. The system of claim 3, wherein the smart device comprises a sensor for generating a signal used to initiate the secured request.

7. The system of claim 3, wherein the computer-readable program code comprises logic used to initiate the secured request.

8. The system of claim 1, wherein the host entity system comprises a financial institution system.

9. A third party system comprising:

a network communication interface;

a memory device storing a third party application;

a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to;

receive resource distribution information from a smart device associated with a host entity system where the resource distribution information is usable to distribute a resource to the host entity system; and

distribute the resource to the host entity system based on the resource distribution information.

10. The system of claim 9, wherein the resource distribution information comprises a secured request.

11. The system of claim 10, wherein the secured request comprises a request for payment to the host entity system.

12. The system of claim 10, wherein the secured request comprises a token.

13. The system of claim 9, wherein the host entity system comprises a financial institution system.

14. The system of claim 9, wherein the distribution comprises a payment from the third party system to the host system.

15. The system of claim 14, wherein an acknowledgement message is received from the host system acknowledging the payment.

16. The system of claim 9, wherein the payment is related to at least one of the purchase of a renewable product, a subscription service and a metered charge.

17. A method for communicating from a smart device, the method comprising:

communicating host information from the smart device to a host entity system via a network communication interface; and

communicating resource distribution information from the smart device to a third party system via the network communication interface where the third party system is different than the host entity system, the resource distribution information usable by the third party system to distribute a resource to the host entity system.

18. The method of claim 17, wherein the resource distribution information comprises a secured request requesting a payment to the host entity system.

19. The method of claim 17, comprising generating a signal used to initiate the secured request.

20. The method of claim 17, comprising using logic to initiate the secured request.