REAL-TIME PROCESSING OF REQUESTS RELATED TO FACILITATING USE OF AN ACCOUNT
A device may receive information related to a first plurality of individuals and an individual. Each of the first plurality of individuals may be associated with a respective one or more accounts. The device may receive a request to match the individual and one or more individuals. The device may determine a match of the individual and the one or more individuals based on the information. The device may receive, from a user device associated with the individual, a selection of an account, of the respective one or more accounts, associated with another individual of the first plurality of individuals. The device may provide, for display to the other individual, a notification that the individual and the other individual have been matched and that the individual selected the account associated with the other individual. The device may perform one or more actions related to completing the transaction using the account.
1 . A device, comprising:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
receive, from a transaction terminal or a transaction backend device, a request to approve use of an account to complete a transaction,
the account having been selected for use by an individual that does not own the account,
the account being a benefit account or a transaction account;
determine that the individual is an authorized user of the account after receiving the request from the transaction terminal or the transaction backend device;
perform an action to withdraw a value from another transaction account, associated with the individual, after determining that the individual is the authorized user of the account and prior to the transaction being completed; and
provide, to the transaction terminal or the transaction backend device, a set of instructions to approve the use of the account by the individual after performing the action to withdraw the value,
the set of instructions indicating that the individual is the authorized user.
2 . The device of claim 1 , where the one or more processors, when determining whether the individual is the authorized user, are configured to:
determine that the individual is the authorized user by processing information included in a data structure,
the information identifying a set of authorized users for the account.
3 . The device of claim 1 , where the value satisfies another value associated with the transaction.
4 . The device of claim 1 , where the one or more processors are further configured to:
provide, to a user device associated with the individual and for display, a notification that indicates that the value has been withdrawn from the other transaction account.
5 . The device of claim 1 , where the one or more processors are further configured to:
provide the value to the account after receiving an indication that the transaction has been completed using the account,
the account being the transaction account.
6 . The device of claim 1 , where the one or more processors are further configured to:
cause a benefit received by the account in association with being used to complete the transaction to be shared among the account and another benefit account, associated with the individual, after providing the set of instructions,
the account being the benefit account.
7 . The device of claim 6 , where the one or more processors are further configured to:
provide another set of instructions to a server device to generate the other benefit account for the individual prior to causing the benefit to be shared among the account and the other benefit account.
8 . A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors, cause the one or more processors to:
receive, from a transaction terminal or a transaction backend device, a request to approve use of an account to complete a transaction,
the account being a benefit account or a transaction account;
determine that an individual is an authorized user of the account after receiving the request from the transaction terminal or the transaction backend device,
the authorized user being capable of using the account to complete the transaction,
the authorized user not being an account owner;
perform an action to withdraw a value from another transaction account, associated with the individual, after determining that the individual is the authorized user of the account and prior to the transaction being completed;
store the value after performing the action to withdraw the value from the other transaction account and prior to providing the value to the account; and
provide, to the transaction terminal or the transaction backend device, a set of instructions to approve the use of the account by individual after storing the value.
9 . The non-transitory computer-readable medium of claim 8 , where the one or more instructions, when executed by the one or more processors, cause the one or more processors to:
determine that a timer has not expired,
the timer indicating an amount of time during which the individual is the authorized user of the account; and
where the one or more instructions, that cause the one or more processors to determine that the individual is the authorized user, cause the one or more processors to:
determine that the individual is the authorized user based on determining that the timer has not expired.
10 . The non-transitory computer-readable medium of claim 8 , where the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
update the account with a portion of the value after providing the set of instructions, the account being the transaction account.
11 . The non-transitory computer-readable medium of claim 8 , where the one or more instructions, when executed by the one or more processors, cause the one or more processors to:
remove an indication of the individual being the authorized user based on the transaction being completed.
12 . The non-transitory computer-readable medium of claim 8 , where the set of instructions indicate that the individual is the authorized user of the account.
13 . The non-transitory computer-readable medium of claim 8 , where the one or more instructions, when executed by the one or more processors, cause the one or more processors to:
determine, based on information from the transaction terminal or the transaction backend device, that a security token provided by the individual in association with completing the transaction was generated for the individual; and
where the one or more instructions, that cause the one or more processors to determine that the individual is the authorized user, cause the one or more processors to:
determine that the individual is the authorized user after determining that the security token was generated for the individual.
14 . The non-transitory computer-readable medium of claim 8 , where the one or more instructions, when executed by the one or more processors, cause the one or more processors to:
receive a benefit associated with using the account to complete the transaction after providing the set of instructions,
the account being the benefit account; and
cause the benefit to be shared among the account and another benefit account associated with the individual after receiving the benefit.
15 . A method, comprising:
receiving, by a device, a request to approve use of an account to complete a transaction,
the account having been selected for use by an individual that does not own the transaction account,
the account being a benefit account or a transaction account;
determining, by the device, that the individual is an authorized user of the account after receiving the request;
performing, by the device, an action to withdraw a value from another transaction account, associated with the individual, after determining that the individual is the authorized user of the account and prior to the transaction being completed;
providing, by the device, a set of instructions to approve the use of the account by individual after performing the action to withdraw the value,
the set of instructions indicating that the individual is the authorized user; and
providing, by the device and to the account, the value withdrawn from the other transaction account after providing the set of instructions to approve the use of the account.
16 . The method of claim 15 , further comprising:
storing the value prior to providing the set of instructions and after performing the action to withdraw the value from the other transaction account.
17 . The method of claim 15 , where determining that the individual is the authorized user comprises:
determining that the individual is the authorized user based on one or more factors, the one or more factors including:
another value of the transaction,
a type of the transaction, or
a location of the transaction.
18 . The method of claim 15 , further comprising:
authenticating a security token received by a transaction terminal or a transaction backend device in association with the individual using the account to complete the transaction; and
where determining that the individual is the authorized user comprises:
determining that the individual is the authorized user after authenticating the security token.
19 . The method of claim 15 , further comprising:
requesting, from an account owner of the account and via a user device associated with the account owner, approval to complete the transaction using the account prior to providing the set of instructions.
20 . The method of claim 15 , further comprising:
communicating with a server device to generate another benefit account for the individual after providing the set of instructions,
the other benefit account to receive a portion of a benefit received in association with using the account to complete the transaction.