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

Claim 19:
20. A tangible, non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform a method, comprising:
receiving an authorization request from a terminal device 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 that a first balance of funds allocated to the second payment instrument is equivalent to a first portion of the transaction amount;
receiving linked account data associated with an account linked to the second payment instrument, and obtaining an identifier of the linked account from the linked account data based on the unencrypted identifier of the first payment instrument;
transmitting, to a computing system, an additional authorization request that includes the identifier of the linked account and a second portion of the transaction amount;
receiving, 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
authorizing the initiated transaction based on the decision data, and transmitting an authorization message indicative of the authorized transaction to a terminal device.