Patent ID: 11966923
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 14:
15. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
receiving a redirected login request from an application of a merchant, the redirected login request corresponding to a login of a first user account into the application of the merchant using a first user account credential that is designated by a second user account for a shared use of a funding source;
determining, based on the received redirected login request, that the first user account is permissioned to use the funding source of the second user account within a usage restriction delegated to the first user account;
causing, in response to determining that the first user account is permissioned to use the funding source of the second user account, a login of the first user account into the application that enables the shared use of the funding source based on the first user account credential, wherein the causing the login includes:
logging in the second user account with the system for processing a transaction using the funding source based on the shared use;

based on logging in the second user account, masking the second user account within the application of the merchant for a payment of the transaction using the funding source processed via the first user account, wherein the masking causes the application of the merchant to perceive the login of the first user account in place of the second user account for processing the transaction using the funding source; and
causing, based on the login of the first user account into the application of the merchant, the funding source of the second user account to be applied to the transaction performed on the application of the merchant under a control of the first user account, wherein the causing the funding source to be applied to the transaction includes:
identifying, with the merchant in the application, the first account as initiating the transaction using the funding source instead of the second account.