Patent ID: 11900352
Assignee: THE TORONTO-DOMINION BANK
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. An apparatus, comprising:
a memory storing instructions;
a communications unit; and
at least one processor coupled to the communications unit and the memory, the at least one processor being configured to execute the instructions to:
receive, from a terminal device via the communications unit, an authorization request that includes (i) a transaction amount of an initiated transaction and (ii) an unencrypted identifier of a first payment instrument;
based on account data associated with a second payment instrument, determine that a first balance of funds allocated to the second payment instrument is equivalent to a first portion of the transaction amount;
receive linked account data associated with an account linked to the second payment instrument, and based on the unencrypted identifier of the first payment instrument,
obtain an identifier of the linked account from the linked account data;
transmit, to a computing system via the communications unit, an additional authorization request that includes the identifier of the linked account and a second portion of the transaction amount;
receive, from the computing system via the communications unit, decision data that confirms an authorization of a funding of the second portion of the transaction amount based on a second balance of funds allocated to the linked account; and
authorize the initiated transaction based on the decision data, and transmit, via the communications unit, an authorization message indicative of the authorized transaction to a terminal device.