Patent ID: 11887103
Assignee: nan
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G  H

Claim 17:
18. A non-transitory, computer readable medium comprising instructions that, when executed on a data processing system, perform actions comprising:
for each of a plurality of user accounts, encrypting a common user datum of an account holder associated with the user account;
storing each encrypted common user datum in an account holder record with an account identifier and account holder information for the associated account holder, wherein each of the user accounts have the same encrypted common user datum;
receiving, from a transaction account processing system over a network, a user account query including an encrypted client datum associated with a client user of the transaction account processing system;
comparing the encrypted client datum with each encrypted client datum to determine if the client user is an account holder;
responsive to a determination that the client user is an account holder, transmitting, to the transaction account processing system, a query response including a positive account holder identification notification;
receiving, from the transaction account processing system, a transition response notification;
constructing an application transition link configured to launch, on a user device of the client user, an account application associated with the user account of the account holder;
transmitting, to the user device, a transaction processing prompt including the application transition link;
receiving a transaction processing response from the user device via the account application, the response including an account information provisioning approval from the client user; and
transmitting, to the transaction account processing system, account provisioning information including at least a portion of the account holder information.