US20210295335A1 - Secure access-based resource delegation - Google Patents

Abstract

A secure token defines use-based access restrictions to a first user resource. The secure token is delegated to a second user. The second user redeems the secure token for access to the first user's resource. The access during redemption is constrained by the use-based access restrictions defined by the first user.

Description

BACKGROUND
• Consumers are embracing technology to perform a variety of transactions with enterprises. Mobile phones have allowed consumers to perform transactions on the go with enterprises, such transactions used to be reserved for desktop computers having largely wired connections to the Internet for accessing the retailer-based systems.
• However, consumers are still substantially limited in mobile-based transactions where they lack access to currency (cash). Currency is not portable and for the most part has to be in the physical possession of the consumer for use. A consumer may have access to accounts that have cash or that extend cash, such as bank accounts and credit card accounts, but access to these accounts require consumer identification and credential verification.
• Consumers will not typically give a third-party access to these accounts because the third-party would have unfettered access to the entire account balance of the consumer or the entire available credit line available to the consumer. This means when consumers or small businesses need a third-party to perform some service on their behalf, the consumer needs to provide that third-party cash or a check (which needs to clear before funds are available to the third party and therefore may be untimely for a given situation of the consumer).
• Additionally, the security associated with providing a third-party cash is inherently problematic. For example, the third-party: may use the cash on something other than the service that the consumer bargained for, may have the cash stolen, or may lose the cash. In still another situation, the third-party may allege that the cash was not received or was not the full amount needed and without a receipt, the consumer may be in a situation where resolution depends on whether someone believes the consumer or the third party as to what whether the cash was provided or was provided in the proper amount that the third-party needed to fulfill the third-party's agreed to obligation.
• Accordingly, even though technology has substantially advanced in recent years, a consumer's ability to securely and timely engage third-parties for services in a non-repudiated and audited manner are still substantially constrained in the industry.
SUMMARY
• In various embodiments, methods and a Point-Of-Sale (POS) terminal for secure access-based resource delegation.
• According to an embodiment, a method for secure access-based resource delegation is provided. An interface is provided to a device. Use-based restrictions for access to a resource are received through the interface from a user operating device. A secure token is created having the use-based restrictions. Next, the secure token is delivered to the user for subsequent delegation and redemption of the secure token by a second user.
BRIEF DESCRIPTION OF THE DRAWINGS
• FIG. 1A is a diagram illustrating components of a secure access-based resource delegation system, according to an example embodiment.
• FIG. 1B is a diagram illustrating some example user-defined access-based restrictions/caveats, according to an example embodiment.
• FIG. 2 is a diagram of a method for secure access-based resource delegation, according to an example embodiment.
• FIG. 3 is a diagram of another method for secure access-based resource delegation, according to an example embodiment.
• FIG. 4 is a diagram of a POS terminal, according to an example embodiment.
DETAILED DESCRIPTION
• FIG. 1A is a diagram illustrating components of a secure access-basedresource delegation system100, according to an example embodiment. It is to be noted that the secure access-basedresource delegation system100 is shown schematically in greatly simplified form, with only those components relevant to understanding of the embodiments being illustrated.
• Furthermore, the various components (that are identified in theFIG. 1A) are illustrated and the arrangement of the components is presented for purposes of illustration only. It is to be noted that other arrangements with more or less components are possible without departing from the teachings of token-based security processing, presented herein and below.
• Furthermore, the techniques and the systems presented herein and below (for secure access-based resource delegation) may include all or some combination of the components shown with thesystem100. The methods are programmed as executable instructions in memory and/or non-transitory computer-readable storage media and executed on one or more processors associated with the components/devices.
• Specifically, thesystem100 includes a resource server110 (having an access delegation/verification manager111), a delegating consumer-operated device120 (having a resource interface121), one or more receiving consumer operated devices130 (eachsuch device130 having at least one messaging interface131), and a Point-Of-Sale (POS) terminal140 (having a token processing interface141).
• As used herein a ‘resource” includes a secure asset held by a delegating consumer. In an embodiment, the secure asset includes: any type of financial account and/or electronically held accounts by the delegating consumer, which may be unrelated to finances, such as private data, loyalty programs, social media, retail accounts, and the like.
• A “delegating consumer” is a user that is securely delegating access to one or more third-parties for access to one or more of the delegating consumer's resources.
• A “third-party” or “receiving consumer” is a user that receives delegated and secured access to a delegating consumer's resource(s). It is to be noted that once a particular receiving consumer receives a secure token for secure access to a delegating consumer's resource(s) that in some situations the receiving consumer can become a delegating consumer (assuming the use-based restrictions on the secure token do not prohibit such further sub delegation by a receiving consumer); this occurs when a receiving consumer delegates the secure token to a different receiving consumer.
• A “secure token” is a piece of information that minimally identifies the delegating consumer (delegating consumer identifier) and the resource of the delegating consumer (resource identifier), and perhaps, the receiving consumer (receiving consumer identifier). The information can be encoded (such as in a barcoded or Quick Response (QR) code format); embedded within a Uniform Resource Locator (URL) link; embedded in a document to be transported to a third-party. The secure token can contain a URL or access mechanism to theresource server110 that allows the third-party to validate the token or to further delegate the token.
• The “use-based restrictions” or “caveats” are conditions associated with the secure token that are defined by the delegating consumer from device120 using theresource interface121. The caveats are dynamically evaluated at the time of access based on information provided with the access, such as receiving consumer's identifier, POS terminal identifier for thePOS terminal140, calendar date, day of week, time of day, currency amount of the access transaction, receiving consumer's operated device identifier for the receiving consumer's operateddevice130, retailer identifier associated with thePOS terminal140, retailer category associated with a grouping or type of retailer associated with thePOS terminal140, item identifiers for any items associated with the access transaction, and/or other configured and predefined data types available from the receiving consumer's operateddevice130 and/or available from thePOS terminal140. The types of information provided during access can be represented as variables within the conditions defined in the caveats; the conditions organized in statements that result in an action, such as authorized or unauthorized. The conditions defined in the statement of the caveats can also request that some additional information be obtained from the receiving consumer during the access transactions, such as a notice to an operator of thePOS terminal140 to obtain and verify a government issued identification card of the receiving consumer and verify that it is a particular name or please request the receiving consumer to enter a Personal Identification Number (PIN), and the like. In some cases, a caveat may require an operator (clerk) of thePOS terminal140 verify that a task or action has been completed by a system/automated software service; or a caveat may provide thePOS terminal140 with enough information so that thePOS terminal140 may query the system/automated software service automatically (such as through an URL to a service Application Programming Interface (API) that the other system exposes in an automated fashion.
• The caveats organized as statements form a type of access contract between the delegating consumer and the receiving consumer and defining how the access transaction is to be authorized at the time of the access transaction. In an embodiment, the semantic and syntactical structure of the caveats organized as logical statements is a macaroon cookie that is a secure cookie utilizing Key-Hashed Message Authentication Code (HMAC) encryption algorithms for non-repudiation (verification when the secure token is processed for access by the receiving consumer, such that the receiving consumer cannot repudiate the access transaction). This provides verifiable tracking and auditing information regarding use of the secure token to the owner of theresource server110 and the delegating consumer.
• In an embodiment, the secure token with the caveats are encoded together as a single barcoded image and/or QR token.
• In an embodiment, the caveats are included in the secure token. Here, the token and caveats form a single data structure, such that the information defined above as being in the token are separate caveats.
• In an embodiment, the token and caveats are a macaroon cookie using HMAC.
• The process by which the receiving consumer utilizes or attempts to utilize the secure token for access to the resource is referred to here is as the “access transaction,” “redemption,” and/or “token redemption.”
• The caveats can define a single use secure token redemption or on-going multiple redemptions for the secure token until a caveat defined termination of the secure token.
• During operation, the delegating consumer operates device120 to authenticate to an enterprise (such as a bank) that controls and maintains access to the delegating consumer's resource (such as a financial account). The consumer interacts with the resource interface121 (may also be a web page hosted by the resource server and rendered on device120) to create a secure token linked to the resource and to user-define caveats on secure token redemption). The created secure token with caveats is provided back to the delegating consumer on device120.
• The delegating consumer then uses device120 to send the secure token with caveats to a receiving consumer, which is received by the receiving consumer through amessaging interface131 on device130 (operated by the receiving consumer). The secure token with caveats can be sent from device120 todevice130 through Short Messaging Service (SMS) text, email, Near Field Communication (NFC) tap, social media messaging, instant messaging, barcode scan, and/or QR scan.
• The receiving consumer then operatesdevice130 to present or deliver the secure token with restrictions to either aPOS terminal140 or directly to the enterprise andresource server110 for purposes of redeeming the secure token. In some cases, the receiving consumer can add additional caveats to the secure token once received from the original delegating consumer. That is, the receiving consumer has control over the received secure token (unless a caveat in the secure token prohibits such control) and can create more restrictive secure tokens with the more restrictive caveats that can then be delivered to one or more subsequent receiving consumers (in this case, the original receiving consumer becomes a sub-delegating consumer when modifying the original secure token to create one or more additional new and sub secure tokens that are then distributed to one or more additional receiving consumers). The receiving consumer cannot create a less restrictive (broader) secure token with less restrictive (broader) caveats from the original secure token with original caveats provided by the original delegating consumer.
• In an embodiment, the receiving consumer displays the secure token with caveats on a display of thedevice130 as a QR code. A scanner of thePOS terminal140 scans and decodes the secure token with caveats using the token processing interface141. In an embodiment, the token processing interface141 displays the caveats in a readable format to a clerk operating thePOS terminal140. The clerk then verifies the caveats and the token processing interface141 presents the token to the access delegation/verification manager111 for redemption of the token (such as payment for goods or service at a retailer associated with the POS terminal). In this latter embodiment, and in another embodiment, the retailer associated with thePOS terminal140 may perform redemption through theresource server110 at the time of redemption or at a subsequent time, such as end of day where a variety of other redemptions are batched for processing (assuming the caveats of the secure token does not prohibit redeeming the token within a predefined time frame after presented for redemption to the POS terminal140). In an embodiment, the interaction between the token processing interface141 and the access delegation/verification manager111 permits the access delegation/verification manager111 to interactively and in real time verify the secure token with thePOS terminal140 during the redemption and redeem the secure token.
• In an embodiment, the receiving consumer can deliver the secure token with caveats fromdevice130 to thePOS terminal140 using any of the techniques discussed above for the delegating consumer to deliver the secure token to the receiving consumer.
• In an embodiment, thePOS terminal140 is a Self-Service Terminal (SST), such as an Automated Teller Machine (ATM). The receiving consumer scans the barcoded secure token with caveats, the ATM verifies or authenticates the caveats and performs a withdrawal of a predefined amount of money from a bank account (resource) of the delegating consumer and dispenses cash to the receiving consumer from the ATM.
• In an embodiment, the transfer of the secure token with caveats from thedevice130 to thePOS terminal140 occurs through a Near Field Communication (NFC) tap.
• Example processing scenarios for the secure access-basedresource access system100 are now discussed. It is noted that other scenarios besides what is described below can be achieved using the components of the system and the processing. Therefore, these example scenarios are not intended to limit various embodiments of the invention.
• FIG. 1B is a diagram illustrating some example user-defined access-based restrictions/caveats, according to an example embodiment. A variety of these example caveats are used in describing the example processing scenarios.
• In the example scenarios that follow, theresource server110 is controlled and operated by a financial institution such as a bank or credit card company. The resource is a bank account owned or a credit account by a user (delegating consumer).
• Noah is a teenager that needs funds for lunch daily. Noah is not very prudent in managing a weekly or monthly allowance for lunch. Noah's mom operates a tablet, personal computer, or mobile phone (device120) accesses her bank (resource server110) and sets up secure token that authorizes Noah to receive $10 each weekday (Monday-Friday) between 10 a.m. and 3 p.m. through a bank branch or at an ATM (POS terminal140). Mom then sends or the bank (110) sends the newly created secure token with caveats to Noah's mobile phone (device130). Noah receives a messaging asking him where he can get the $10 (a bank or the ATM140), Noah selectsATM140, which modifies the caveats (an example where the receiving consumer can add, change, or select some initially created caveats by the delegating consumer). Noah, then goes to anATM140 at noon on a Monday and scans the secure token with caveats at theATM140. TheATM140 through the token processing interface141 and thebackend bank server110 having the access delegation/verification manager111 verifies that the time of redemption was between 10 a.m. and 3 p.m. and the day of the week is Monday-Friday; authorizes the transaction (redemption); debits the mom's bank account by $10; and dispenses $10 from theATM140 to Noah.
• Dotty is an 83-year old grandmother and mother. Here health has been on the decline and she now lives in assisted living. She has no family that lives near the assisted living. She needs groceries once a week but she lacks access to an ATM to get cash on the needed bases to pay someone and she does not trust anyone to withdraw the cash for her. She also does not trust anyone with access to her credit card. An employee of the assisted living tells Dotty he will get her groceries once a week. Dotty uses her phone120 and theresource interface121 to set up a secure token to access her bank account with the caveats that funds can only be withdrawn at a grocery store, once a week, and for less than $100. Dotty receives from the access delegation/verification manager111 the secure token with caveats and performs a phone120 tophone130 NFC tap with the employee. The employee goes to the grocery store once a week, presents the secure token with caveats to aPOS terminal140 operated by a clerk or to a Self-Service Terminal (SST)140 when checking out. The token processing interface interacts with the access delegation/verification manager111 debits Dotty's bank account (resource and assuming less than $100) and the employee delivers the groceries to Dotty.
• Bob is a beleaguered and busy building contractor and single father of three. He needs someone to get a building permit and supplies on Tuesday (a day he is particular busy). Bob uses his phone to create a secure token with caveats that is good only for Tuesday for two separate transactions, one for a building permit and one for supplies and provides to his building manager Anne (in the manners and with the interactions described above). Anne can only get the building permit because she has to be on the building site to manage the electrician. Anne, delegates the supplies (modification by further delegation) to Steve. Anne uses the secure token with modified caveats to get the building permit while Steve uses the sub-delated secure token with modified caveats to get the supplies. When the two secure tokens with modified caveats are redeemed by Anne and Steve, Bob's line of credit with his lender is debited appropriately. This illustrates that the receiving consumer may be authorized to further delegate and modify the existing secure token with caveats such that the receiving consumer becomes a delegating consumer. Here, themessaging interface131 may permit such modifications against the original secure token with caveats that Anne received and the original secure token with caveats may have either specifically authorized the delegation and modification or may have not specifically prohibited such delegation and modification.
• Justin is in a location where there are no ATMs but there is a Western Union®. He needs cash to purchase something that he really wants but lacks the cash. Justin uses his phone to create a secure token with caveats to redeem at the Western Union and goes into the Western Union® where he presents the token with caveats. Justin receives the cash and purchases the desired item. This is an instance where the original delegating consumer creates a secure token with caveats such that the receiving consumer (redeeming consumer) of the secure token is that same individual that owns the resource. So, in some embodiments, the delegating and receiving consumer are the same individual.
• Joseph owes John and Eric each $50 for gift they all went in on for a fellow employee. Joseph keeps forgetting cash and John and Eric are getting perturbed. Joseph creates a single secure token having multiple usage restrictions (caveats) for $50 each to debit his bank account and delivers the secure tokens to John and Eric. The caveats include no expiration date. John and Eric are free at their leisure to go to the ATMs of their choice and scan the secure token with caveats and receive their $50 that Joseph owes them.
• In an embodiment, the secure token with caveats can include processing for deducting service/redemption/transaction fees by the entity that controls theresource server100 on redemption.
• In an embodiment, theresource server110 is a third-party cloud server that is trusted and processes the secure token with caveats processing on behalf of an enterprise that controls the resource of the delegating consumer.
• In an embodiment, the original delegating consumer can interact with the interface111 (through interface121) at any time that precedes redemption of the secure token and revoke the secure token or mark the entire secure token invalid. This prevents the secure token from being redeemed. This can be accomplished by, as one example, adding a caveat in the original secure token that checks to make sure at the time of redemption that the secure token has not been revoked or marked invalid.
• In an embodiment, the original delegating consumer can interact with the interface111 (though interface121) at any time that precedes complete redemption of the secure token and add additional and new caveats on any unredeemed portion of the secure token. This can be accomplished by, as one example, adding a caveat in the original secure token that checks for any updates made to the secure token at the time of redemption.
• In an embodiment, the original secure token can include caveats that are directed to the redeeming party, such as thePOS terminal140. Once such caveat was discussed above that incorporates a time within which the redeeming party must redeem the secure token once the secure token is presented for redemption.
• These and other embodiments are now discussed with reference to theFIGS. 2-4.
• FIG. 2 is a diagram of amethod200 for secure access-based resource delegation, according to an example embodiment. The software module(s) that implements themethod200 is referred to as a “resource delegation manager.” The resource delegation manager is implemented as executable instructions programmed and residing within memory and/or a non-transitory computer-readable (processor-readable) storage medium and executed by one or more processors of a device. The processor(s) of the device that executes the resource delegation manager are specifically configured and programmed to process the resource delegation manager. The resource delegation manager has access to a network during its processing. The network can be wired, wireless, or a combination of wired and wireless.
• In an embodiment, the device that executes the resource delegation manager is theresource server100.
• In an embodiment, the device that executes the resource delegation manager is a financial institution that controls a financial account (resource) of a consumer/user.
• In an embodiment, the device that executes the resource delegation manager is a third-party server or a cloud server that interacts on behalf of a financial institution that controls a financial account (resource) of a consumer/user.
• In an embodiment, the resource delegation manager is the access delegation/verification manager111.
• At210, the resource delegation manager provides an interface to a device operated by a first user (the delegating user).
• According to an embodiment, at211, the resource delegation manager renders a web-based interface on the device through a browser.
• In an embodiment, the interface is theinterface121.
• In an embodiment, the device is the device120.
• At220, the resource delegation manager receives use-based restrictions for access to a resource through the interface from a user who is operating the device. In an embodiment, the resource is a financial account owned by the user.
• In an embodiment, at221, the resource delegation manager obtains the use-based restrictions as restrictions that define one or more of: a second identifier for a second user, a location-based identifier for a particular location of redemption, a category-based identifier for a category of an enterprise for redemption, a date or date range for redemption, a time-of-day for redemption, an item identifier for an item that redemption is to be made for, and/or an amount or an amount range that redemption is to be made for.
• In an embodiment, at222, the resource delegation manager obtains at least one of the use-based restrictions as an expiration condition for redemption.
• In an embodiment, the use-based restrictions include any of the use-based restrictions identified above in theFIGS. 1A-1B and/or any of the use-based restrictions identified at221.
• At230, the resource delegation manager creates a secure token having the use-based restrictions.
• In an embodiment, at231, the resource delegation manager formats the secure token as a macaroon cookie.
• In an embodiment of231 and at232, the resource delegation manager encodes the secure token.
• In an embodiment of232 and at233, the resource delegation manager encodes the secure token as a QR code.
• At240, the resource delegation manager delivers the secure token to the user for delegation and redemption of the secure token by a second user.
• In an embodiment, at241, the resource delegation manager delivers the secure token to a second user as directed by the first user through the interface.
• In an embodiment of241 and at242, the resource delegation manager provides the interface (another processing instance) to a second device operated by the second user.
• In an embodiment of242 and at243, the resource delegation manager modifies the use-based restrictions of the secure token in response to interactions by the second user through the interface.
• In an embodiment of242 and at244, the resource delegation manager adds additional use-based restrictions to the secure token in response to interaction by the second user through the interface.
• FIG. 3 is a diagram of anothermethod300 for secure access-based resource delegation, according to an example embodiment. The software module(s) that implements themethod300 is referred to as an “resource access redemption manager.” The resource access redemption manager is implemented as executable instructions programmed and residing within memory and/or a non-transitory computer-readable (processor-readable) storage medium and executed by one or more processors of a hardware device. The hardware processors that execute the resource access redemption manager are specifically configured and programmed to process the resource access redemption manager. The resource access redemption manager has access to one or more networks during its processing. Each network can be wired, wireless, or a combination of wired and wireless.
• In an embodiment, the device that executes the resource access redemption manager is thePOS terminal140. In an embodiment, thePOS terminal140 is a SST. In an embodiment, thePOS terminal140 is an ATM. In an embodiment, thePOS terminal140 is a kiosk.
• In an embodiment, the resource access redemption manager is the token processing interface141.
• In an embodiment, the resource access redemption manager redeems a secure token for access to a resource that is created and distributed by themethod200 of theFIG. 2.
• At310, the resource access redemption manager receives a secure token having caveats for redemption from a device operated by a user as a payment for a transaction.
• In an embodiment, the user is the receiving user discussed above in theFIGS. 1A-1B and the device is thedevice130. The user receives the secure token with the caveats from a delegating user or from themethod200. The manner in which the delegating user provides the secure token to the user and the device can be through any messaging based interface as discussed above in theFIGS. 1A-1B. Moreover, the secure token is originally created through interactions of the delegating user with themethod200 and/or theresource server110.
• According to an embodiment, at311, the resource access redemption manager obtains the secure token having the caveats as NFC data transmitted from the device.
• In an embodiment, at312, the resource access redemption manager scans the secure token having the caveats as a QR code from a display of the device.
• At320, the resource access redemption manager verifies the caveats included in the secure token.
• In an embodiment, at321, the resource access redemption manager interacts with a server associated with the external financial account (discussed at330) to verify at least some of the caveats.
• In an embodiment of321 and at322, the resource access redemption manager provides at least some transaction information associated with the transaction to the server for the server when verifying at least some of the caveats.
• In an embodiment, at323, the resource access redemption manager requests at least some additional information from the user when verifying at least some of the caveats, the type of additional information provided in the caveats.
• In embodiments321-323, the server is theserver110 of theFIGS. 1A-1B and/or the server that processes themethod200 of theFIG. 2.
• At330, the resource access redemption manager accesses an external financial account (resource) defined by at least one of the caveats included with the secure token.
• At340, the resource access redemption manager receives the payment for the transaction in response to accessing the external financial account with the secure token.
• At350, the resource access redemption manager concludes the transaction in response to receipt of the payment.
• In an embodiment, at351, the resource access redemption manager saves the secure token having the caveats and transaction details associated with the transaction as audit data for any attempted subsequent repudiation by the user or a second user that provided the secure token with the caveats originally to the user.
• In an embodiment, the external financial account is not owned by or controlled in any manner by the user. That is a different user provided the secure token and caveats to the user for accessing that user's external financial account.
• FIG. 4 is a diagram of aPOS terminal400, according to an example embodiment. Some components of thePOS terminal400 are programmed and reside within memory and/or a non-transitory computer-readable medium and execute on one or more hardware processors of thePOS terminal400. ThePOS terminal400 communicates over one or more networks, which can be wired, wireless, or a combination of wired and wireless.
• In an embodiment, thePOS terminal400 is thePOS terminal140 of theFIG. 1A.
• In an embodiment, thePOS terminal400 is a SST.
• In an embodiment, thePOS terminal400 is an ATM.
• In an embodiment, thePOS terminal400 is a kiosk.
• In an embodiment, thePOS terminal400 is operated by a clerk on behalf of a consumer checking out of retail establishment.
• In an embodiment,POS terminal400 implements, among other things, some the processing discussed in theFIGS. 1A, 1B, and 3.
• ThePOS terminal400 includes aprocessor401, and atoken processing interface402.
• Thetoken processing interface402 is configured to: 1) execute on the one ormore processors401; 2) receive a secure token with caveats from a user operating a device; 3) verify the caveats; 4) obtain a payment for a transaction with the user from a resource defined in the secure token; and 5) conclude the transaction when the payment is received.
• In an embodiment, thetoken processing interface401 is the token processing interface141.
• In an embodiment, thetoken processing interface401 is themethod200 of theFIG. 2.
• It should be appreciated that where software is described in a particular form (such as a component or module) this is merely to aid understanding and is not intended to limit how software that implements those functions may be architected or structured. For example, modules are illustrated as separate modules, but may be implemented as homogenous code, as individual components, some, but not all of these modules may be combined, or the functions may be implemented in software structured in any other convenient manner.
• Furthermore, although the software modules are illustrated as executing on one piece of hardware, the software may be distributed over multiple processors or in any other convenient manner.
• The above description is illustrative, and not restrictive. Many other embodiments will be apparent to those of skill in the art upon reviewing the above description. The scope of embodiments should therefore be determined with reference to the appended claims, along with the full scope of equivalents to which such claims are entitled.
• In the foregoing description of the embodiments, various features are grouped together in a single embodiment for the purpose of streamlining the disclosure. This method of disclosure is not to be interpreted as reflecting that the claimed embodiments have more features than are expressly recited in each claim. Rather, as the following claims reflect, inventive subject matter lies in less than all features of a single disclosed embodiment. Thus the following claims are hereby incorporated into the Description of the Embodiments, with each claim standing on its own as a separate exemplary embodiment.

Claims (21)

1. (canceled)

2. A method, comprising:

receiving restrictions defined on a resource from a first user;

identifying a second user from the restrictions;

creating a token that comprises the restrictions;

encoding the token in a barcode format; and

delivering the token to the first user for delegation by the first user to the second user, wherein when the second user presents the token in the barcoded format, the second user is granted access to the resource associated with the first user, wherein access is controlled by the restrictions defined in the token.

3. The method ofclaim 2 further comprising, obtaining audit information when the second user gains access to the resource by presenting the token and maintaining the audit information as verifiable tracking information for at least the first user.

4. The method ofclaim 2 further comprising:

receiving second restrictions defined on the resource from the second user;

identifying a third user from the second restrictions;

creating a second token that comprises the restrictions and the second restrictions;

encoding the second token in the barcode format; and

delivering the second token to the second user for delegation by the second user to the third user, wherein when the third user presents the second token in the barcoded format, the third user is granted access to the resource associated with the first user, wherein access is controlled by the restrictions and the second restrictions defined in the second token.

5. The method ofclaim 2 further comprising:

at a time prior to the second user presenting the token for access to the resource:

receiving modifications to the restrictions from the first user;

identifying the second user from modified restrictions associated with the modifications;

creating a modified token that comprises the modified restrictions;

encoding the modified token in the barcode format; and

delivering the modified token to the first user for delegation by the first user to the second user, wherein the token with the restrictions is replaced by the modified token.

6. The method ofclaim 2 further comprising:

at a time prior to the second user presenting the token for access to the resource:

receiving a revocation to the token from the first user; and

invalidating the token for access to the resource based on the revocation.

7. The method ofclaim 2, wherein receiving further includes identifying a portion of the restrictions as authentication instructions to a redeeming party, wherein the redeeming party performs authentication of the second user using the authentication instructions when the second user presents the token to the redeeming party for access to the resource.

8. The method ofclaim 2, wherein receiving further includes identifying a portion of the restrictions as location-based restrictions on where the second user is permitted to redeem the token for access to the resource.

9. The method ofclaim 2, wherein receiving further includes identifying a portion of the restrictions as category-based restrictions on a category of enterprises that the second user is permitted to redeem the token for access to the resource.

10. The method ofclaim 2, wherein receiving further includes identifying a portion of the restrictions as date and time-of-day restrictions on a calendar date and time-of-day that the second user is permitted to redeem the token for access to the resource.

11. The method ofclaim 2, wherein receiving further includes identifying the resource as a bank account of the first user.

12. The method ofclaim 11, wherein receiving further includes identifying a portion of the restrictions as a predefined amount of money that the second user is permitted to withdraw from the back account of the first user.

13. The method ofclaim 2, wherein receiving further includes identifying the resource as a credit card account of the first user.

14. A method, comprising:

obtaining a token from a device operated by a user;

decoding the token and identifying a second user, an account of the second user, and restrictions placed on the user redeeming the token for access to the account of the second user; and

redeeming the token during a transaction with the utilizing the account of the second user based on the restrictions.

15. The method ofclaim 14, wherein obtaining further includes obtaining the token as an image captured from a display of the device.

16. The method ofclaim 14, wherein obtaining further includes obtaining the token as information provided from the device when the device is tapped against a Near Field Communication (NFC) enabled device during the transaction.

17. The method ofclaim 14, wherein decoding further includes identifying authentication instructions for authenticating the user from the restrictions and obtaining authentication information from the user in accordance with the authentication instructions.

18. The method ofclaim 14 further comprising, processing the method and the transaction on a Self-Service Terminal (SST).

19. The method ofclaim 18, wherein processing further includes processing the transaction as a self-checkout of the user at the SST for items being purchased by the user using the account of the second user as payment or processing the transaction as a cash withdraw from the account of the second user at the SST.

20. A terminal, comprising:

a processor;

a non-transitory computer-readable storage medium that comprises executable instructions; and

the executable instructions when executed by the processor from the non-transitory computer-readable storage medium cause the processor to perform operations comprising:

obtaining a token from a device operated by a user;

decoding the token and identifying a second user, an account of the second user, and restrictions placed by the second user on the user when redeeming the token during a transaction being performed at the terminal for using the account of the second user for the transaction; and

performing the transaction using the account of the second user in accordance with the restrictions.

21. The terminal ofclaim 21, wherein the terminal is a Self-Service Terminal (SST), an Automated Teller Machine (ATM), or a Point-Of-Sale (POS) terminal operated by a clerk during the transaction.

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