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

Claim 10:
11. A computer-implemented method, comprising:
receiving, using at least one processor, and from a terminal device, 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, determining, using the at least one processor, that a first balance of funds allocated to the second payment instrument is equivalent to a first portion of the transaction amount;
using the at least one processor, receiving linked account data associated with an account linked to the second payment instrument, and based on the unencrypted identifier of the first payment instrument, obtaining an identifier of the linked account from the linked account data;
transmitting, to a computing system using the at least one processor, an additional authorization request that includes the identifier of the linked account and a second portion of the transaction amount;
receiving, using the at least one processor, and from the computing system, 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
using the at least one processor, authorizing the initiated transaction based on the decision data, and transmitting an authorization message indicative of the authorized transaction to a terminal device.