US 11,900,352 B2
Real-time execution of data exchanges between computing systems based on selectively allocated parameters
Milos Dunjic, Oakville (CA); Perry Aaron Jones Haldenby, Toronto (CA); and John Jong-Suk Lee, Toronto (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Aug. 11, 2021, as Appl. No. 17/399,200.
Application 17/399,200 is a continuation of application No. 15/622,269, filed on Jun. 14, 2017, granted, now 11,138,582.
Prior Publication US 2021/0374705 A1, Dec. 2, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/02 (2012.01); G06Q 20/32 (2012.01); G06Q 20/20 (2012.01)
CPC G06Q 20/204 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/3223 (2013.01)] 20 Claims
OG exemplary drawing
 
1. An apparatus, comprising:
a memory storing instructions;
a communications unit; and
at least one processor coupled to the communications unit and the memory, the at least one processor being configured to execute the instructions to:
receive, from a terminal device via the communications unit, an authorization request 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, determine that a first balance of funds allocated to the second payment instrument is equivalent to a first portion of the transaction amount;
receive linked account data associated with an account linked to the second payment instrument, and based on the unencrypted identifier of the first payment instrument,
obtain an identifier of the linked account from the linked account data;
transmit, to a computing system via the communications unit, an additional authorization request that includes the identifier of the linked account and a second portion of the transaction amount;
receive, from the computing system via the communications unit, 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
authorize the initiated transaction based on the decision data, and transmit, via the communications unit, an authorization message indicative of the authorized transaction to a terminal device.