Patent ID: 11941652
Assignee: THE TORONTO-DOMINION BANK
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A non-transitory, computer-readable medium storing computer-readable instructions executable by a computer and, when executed, cause the computer to:
receive, from a loyalty system managing a plurality of loyalty accounts via a dedicated application programming interface (API), the API hosted on a network by the financial institution computing system, credit account information associated with an authenticated user, wherein the loyalty system is separate and distinct from the financial institution system, wherein an authenticated user is a user who was previously authenticated by the loyalty system, and wherein the credit account information is associated with the financial institution;
in response to receiving the credit account information via the dedicated API, automatically initiate a query of a repository of account profiles for accounts associated with the credit account information;
identify results from the initiated query and automatically compare the received credit account information associated with the authenticated user with the results from queried repository;
determine, by the one or more processors and based on the comparison, whether the authenticated user is an authorized user of a credit account associated with a particular primary user, wherein the particular primary user is different from the authorized user;
in response to determining that the authenticated user is an authorized user of the credit account associated with the particular primary user, automatically generate a success message comprising information necessary to link a loyalty account associated with the authorized user with a loyalty account associated with the particular primary user, wherein the loyalty account associated with the particular primary user is managed by the loyalty system and is different than the credit account associated with the particular primary user; and
return, via the API, the success message to the loyalty system.