US 11,695,772 B1
System and method for enabling multiple auxiliary use of an access token of a user by another entity to facilitate an action of the user
Lawrence Douglas, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 3, 2022, as Appl. No. 17/735,827.
Int. Cl. H04L 9/40 (2022.01); H04L 9/32 (2006.01)
CPC H04L 63/10 (2013.01) [H04L 9/3213 (2013.01); H04L 9/3228 (2013.01); H04L 63/108 (2013.01); H04L 2209/56 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for enabling multiple third-party auxiliary use of a single-use token to facilitate a token-owner-initiated network operation with a third party, the system comprising:
one or more processors; and
memory storing instructions that, when executed by the one or more processors, cause operations comprising:
in response to detecting a token-owner-initiated request to use a single-use token for a transaction associated with a token owner user with a third-party entity, deactivating use of the single-use token by the token owner user for any other transaction and configuring the single-use token for multiple auxiliary uses by the third-party entity for the transaction such that (i) the third-party entity is added as an auxiliary entity that is approved to use the single-use token to complete the transaction associated with the token owner user, and (ii) the single-use token is configured with a resource amount as a resource amount usage threshold associated with the transaction and with a plural number of uses by the third-party entity as a usage count threshold associated with the transaction, wherein the transaction comprises multiple subparts;
after granting a first third-party request of the third-party entity to use the single-use token for a first subpart of the transaction, receiving a second third-party request of the third-party entity to continue use of the single-use token for a second subpart of the transaction, the first subpart of the transaction corresponding to a first amount of resources, the second subpart corresponding to a second amount of resources;
determining whether a sum comprising the first amount and the second amount would exceed the resource amount usage threshold of the single-use token and whether a cumulative number of third-party requests of the third-party entity for the transaction would exceed the usage count threshold;
granting the second third-party request to use the single-use token based on a determination that the sum would not exceed the single-use token's resource amount usage threshold associated with the transaction and the cumulative number of third-party requests for the transaction would not exceed the single-use token's usage count threshold associated with the transaction;
after granting the first and second third-party requests of the third-party entity, receiving at least one other third-party request of the third-party entity to use the single-use token for at least one other subpart of the transaction;
in response to receiving the at least one other third-party request, processing at least one other resource amount of the at least one other third-party request against the resource amount usage threshold of the single-use token; and
in response to the at least one other third-party request cumulatively exceeding the resource amount usage threshold of the single-use token, denying the at least one other third-party request.