Access controls for transfer transactions

1. A method for transferring funds from a customer to a designated recipient using a one-time account and a transaction machine, the method comprising:

storing, in a database, identification data associated with a one-time account for the designated recipient of the one-time account and an amount of funds in the one-time account, the one-time account being different from a main account of the designated recipient and different from a main account of the customer, the identification data including a particular social media entry for the designated recipient;

receiving authentication data from the transaction machine, the authentication data containing information pertaining to a user of the transaction machine, the authentication data including a selection of a social media entry from a group of social media entries;

determining that the user corresponds to the designated recipient using the received authentication data and the stored identification data, the determining comprising determining that the selected social media entry matches the particular social media entry;

based on the determination that the user corresponds to the designated recipient, presenting one or more available transactions for the funds in the one-time account;

receiving a selection of a transaction from the one or more available transactions; and

executing the selected transaction and closing the one-time account after executing the requested transaction.

2. The method of claim 1 , further including:

storing, in the database, one or more rules related to transaction time and transaction location or device; and

determining, prior to executing the selected transaction, that receipt of the authentication data occurs at one or more of a particular time and from a particular location or device using the one or more rules.

3. The method of claim 1 , further including storing, in the database, one or more transaction types for the one-time account, the one or more transaction types including cash withdrawal, debit card loading, merchant payment or account transfer.

4. The method of claim 1 , wherein the identification data includes a data indicating a customer approval request, and wherein the received authentication data includes a media clip of the user taken at the transaction machine, wherein determining that the user corresponds to the designated recipient includes sending the media clip to the customer and receiving an indication from the customer that the user corresponds to the designated recipient.

5. The method of claim 1 , further including storing an identifier for a particular transaction machine and a particular time period, wherein presenting the one or more available transactions for the funds is also based on determining that the transaction machine is the particular transaction machine and that the authentication data was received at a time corresponding to the particular time period.

6. The method of claim 1 , wherein the identification data includes a particular picture, wherein the received authentication data includes a selection of a picture from a group of related pictures, and wherein determining that the user corresponds to the designated recipient includes determining that the selected picture matches the particular picture.

7. The method of claim 1 , further receiving a request from the customer to transfer the amount of funds to the designated recipient from the customer main account and wherein storing further includes, responsive the receipt of the request, creating the one-time account for the transfer and associating the one-time account with the customer main account.

8. The method of claim 1 , wherein storing further includes storing a particular class of goods or merchants associated with the funds, wherein the method further includes determining that the selected transaction corresponds to the stored class of goods or merchants prior to executing the selected transaction.

9. The method of claim 1 , wherein the transaction machine is a mobile device with a mobile application and wherein presenting includes using the mobile application to present a hyperlink as a form of payment to a merchant.

10. The method of claim 1 , wherein the stored identification data includes data stored on a transaction card.

11. The method of claim 1 , wherein the stored identification data includes customer-provided data that is not data stored on a transaction card.

12. A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to perform operations of:

storing, in a database, identification data associated with a one-time account for a designated recipient of the one-time account and an amount of funds in the one-time account, the one-time account being different from a main account of the designated recipient and different from a main account of a customer establishing the one-time account, the identification data including a particular social media entry for the designated recipient;

receiving authentication data from a transaction machine, the authentication data containing information pertaining to a user of the transaction machine, the authentication data including a selection of a social media entry from a group of social media entries;

determining that the user corresponds to the designated recipient using the received authentication data and the stored identification data, the determining comprising determining that the selected social media entry matches the particular social media entry;

based on the determination that the user corresponds to the designated recipient, presenting one or more available transactions for the funds in the one-time account;

receiving a selection of a transaction from the one or more available transactions; and

executing the selected transaction and closing the one-time account after executing the requested transaction.

13. The computer-readable storage medium of claim 12 , wherein the stored identification data includes customer-provided data that is not data stored on a transaction card, wherein the operations further include:

determining that the user corresponds to the designated recipient without using a transaction card;

storing, in the database, one or more rules related to transaction time and transaction location or device; and

determining, prior to executing the selected transaction, that receipt of the authentication data occurs at one or more of a particular time and from a particular location or device using the one or more rules.

14. A system comprising:

a processor; and

a memory storing instructions that, when executed by the processor, configure the processor to:

store, in a database, identification data associated with a one-time account for a designated recipient of the one-time account and an amount of funds in the one-time account, the one-time account being different from a main account of the designated recipient and different from a main account of a customer establishing the one-time account, the identification data including a particular social media entry for the designated recipient;

receive authentication data from a transaction machine, the authentication data containing information pertaining to a user of the transaction machine, the authentication data including a selection of a social media entry from a group of social media entries;

determine that the user corresponds to the designated recipient using the received authentication data and the stored identification data, the determining comprising determining that the selected social media entry matches the particular social media entry;

based on the determination that the user corresponds to the designated recipient, present one or more available transactions for the funds in the one-time account;

receive a selection of a transaction from the one or more available transactions; and

execute the selected transaction and closing the one-time account after executing the requested transaction.