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SMART RESOURCE INSTRUMENT AUTHORIZATION

  • US 20190109885A1
  • Filed: 10/11/2017
  • Published: 04/11/2019
  • Est. Priority Date: 10/11/2017
  • Status: Active Grant
First Claim
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1. A system for pre-approving use of one or more resource instruments, the system comprising:

  • one or more memory components storing computer-readable program code; and

    one or more processing components operatively coupled to the one or more memory components, wherein the one or more processing components are configured to execute the computer-readable program code to;

    receive an activation indication from a user for activation of the one or more resource instruments for one or more interactions, wherein the activation indication includes at least one or more resource instrument identifiers, and wherein the activation indication is received from a user computer system or a resource instrument system;

    activate the one or more resource instruments for the one or more interactions using the one or more resource instrument identifiers;

    receive an inquiry from a third-party regarding an interaction, wherein the inquiry includes interaction information, wherein the interaction information includes at least a resource instrument identifier, and wherein the inquiry is received from a third-party system;

    determine when the resource instrument identifier received from the third-party meets the one or more resource instrument identifiers activated by the user and send an allowance notification to the third-party, wherein the allowance notification is sent to the third-party systems; and

    determine when the resource instrument identifier received from the third-party fails to meet the in the one or more resource instrument identifiers activated by the user and send an rejection notification to the third-party, wherein the rejection notification is sent to the third-party systems.

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