US 11,694,179 B2
System and method for integrated application and provisioning
Adrian Bloy, Ottawa (CA); Daniel Lam Tin Cheung, Richmond Hill (CA); Asgar Maleki, Toronto (CA); Kevin Yuen, Toronto (CA); and Danielle Marie Mullenax, Gatineau (CA)
Assigned to The Toronto-Dominion Bank
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Jun. 22, 2022, as Appl. No. 17/808,202.
Application 17/808,202 is a continuation of application No. 16/135,272, filed on Sep. 19, 2018, granted, now 11,514,424.
Application 16/135,272 is a continuation in part of application No. 15/708,887, filed on Sep. 19, 2017, granted, now 11,367,070, issued on Jun. 21, 2022.
Prior Publication US 2022/0318782 A1, Oct. 6, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/24 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06Q 20/22 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/24 (2013.01) [G06Q 20/227 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/36 (2013.01); G06Q 20/409 (2013.01); G06Q 20/4014 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
at least one memory storing instructions and a repository storing a set of user accounts associated with a plurality of users, wherein each of the plurality of users is associated with a user profile, wherein each user profile is associated with a merchant-specific identifier identifying the user profile at a merchant;
at least one hardware processor interoperably coupled with the at least one memory, wherein execution of the instructions by the at least one hardware processor causes performance of operations comprising:
receiving, at a merchant application and during a current transaction being conducted by a particular user at the merchant application via a client application, a request to perform a credit application process associated with the particular user;
in response to receiving the request, generating a first redirection instruction comprising the merchant-specific identifier of the particular user and the request to perform the credit application process;
redirecting, based on the first redirection instruction, the client application to a credit application site associated with a particular institution that performs the credit application process;
receiving (1) a second redirection instruction from the credit application site, wherein the second redirection instruction instructs re-launch of the merchant application via the client application, and (2) a second signal including an approval associated with the credit application process, a payment credential associated with a new credit account created at the particular institution in response to the approval of the credit application process, and the merchant-specific identifier of the particular user; and
processing, at the merchant application, the current transaction using the received payment credential as a form of payment for the current transaction.