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

Claim 7:
8. A method comprising:
receiving a request for a first user account to log into a payment provider service on an application of a merchant using a credential that is designated by a second user account for a shared use of a funding source;
determining, based on the received request, that the first user account is permissioned to use the funding source of the second user account on the payment provider service for transactions made by the first user account on the application of the merchant 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 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 by the payment service provider to the first user account with the application during the shared use for a transaction, 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.