Visa Inc.
Peer forward authorization of digital requests

Abstract:

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.