PEER FORWARD AUTHORIZATION OF DIGITAL REQUESTS

摘要

Embodiments may enable a user to forward authorize a specific amount to a member of their payment pool by distributing a subtoken generated from a token issued to the user. The member of the payment pool may receive the subtoken through a delivery channel (e.g., by e-mail) and may utilize the subtoken during a purchase by providing a corresponding delivery channel identifier (e.g., e-mail address) as an authentication credential. In some embodiments, the subtoken may be time-sensitive and may be valid during a time period designated by the user.

主权项

1. A method comprising:
generating, by a server computer, a first credential corresponding to a first data element for a first user; generating, by the server computer, a second credential corresponding to a second data element for a second user, wherein the second credential is associated with the first credential; sending, by the server computer, the second credential to the second user through a delivery channel; receiving, by the server computer, the second credential and a delivery channel identifier associated with the second user with a request by the second user; and fulfilling, by the server computer, the request according to the second data element.