IP Library › Granted Patent US 12,411,989
Granted Patent B2
US 12,411,989 · App. 17/953,865 · Granted Sep 9, 2025

System and method for providing third party access to a system

Inventors: Richard Titus Szvath (Mississauga, CA); Vitali Valoshyn (Oakville, CA); Fabio Taddei (Woodbridge, CA)
Assignee: The Toronto-Dominion Bank
G06F21/629G06F21/31
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Quick Facts
Patent No.
US 12,411,989
App. No.
17/953,865
Granted
Sep 9, 2025
Kind
B2
Abstract

Computing platforms, methods, and storage media for providing third party access to a co-branded product in a system are disclosed. In an example, a system may receive, at a system of a first entity, registration information of a user registered with a second entity. The system may comprise a record associating the user with a co-branded product jointly provided by the first entity and the second entity. The system may validate, using at least one hardware processor, the registration information at the system based on the record. The system may initiate, using the at least one processor, in response to a successful validation of the registration information, a new user session having a co-branded product session identifier where the new user session provides access to the user to the co-branded product in the system.

Claims (61)

1. An apparatus comprising:

a non-transitory computer-readable storage medium having executable instructions embodied thereon; and

one or more hardware processors configured to execute the instructions to:

receive, at a first system of a first entity, a record associated with a second system of a second entity, the record associating a user with a co-branded product jointly provided by the first entity and the second entity;

receive, at the first system, registration information of the user registered with the second entity;

validate the registration information at the first system based on the record;

initiate, at the first system in response to a successful validation of the registration information, a new user session having a co-branded product session identifier, the new user session providing access to the user to the co-branded product in the first system;

receive input indicative of a user command during the new user session; and

modify, in the first system, a configuration parameter associated with the co-branded product associated with the user in response to the input.

2. The apparatus of claim 1 , wherein the one or more hardware processors are further configured to execute the instructions to:

provide a co-branded user interface for enabling access for the user to the co-branded product in the first system, the co-branded user interface being different from a first entity user interface for users registered with the first entity.

3. The apparatus of claim 1 , wherein the one or more hardware processors are further configured to execute the instructions to:

when validating the registration information at the first system:

determine, at the first system, based on the registration information, that the user has not previously been registered for access to the co-branded product in the first system;

verify, at the first system, the registration information by:

receiving personal information associated with the user;

identifying the existence of the record associating the user with the co-branded product in the first system based on the personal information; and

register, in response to verifying the registration information, the user for access to the co-branded product in the first system.

4. The apparatus of claim 1 , wherein the one or more hardware processors are further configured to execute the instructions to:

receive, at the first system, login information of the user, wherein the user is registered with the first entity for accessing the co-branded product in the first system, wherein the user is registered with the first entity based on a registration record in the first system;

authenticate the login information at the first system based on the registration record; and

initiate, at the first system in response to a successful authentication of the login information, a further new user session having a co-branded product session identifier, the further new user session providing access for the user to the co-branded product in the first system.

5. The apparatus of claim 1 , wherein the one or more hardware processors are further configured to execute the instructions to:

provide a co-branded user interface for enabling access for the user to the co-branded product in the first system, the co-branded user interface configured to display visual indicia of both the first entity and the second entity.

6. The apparatus of claim 1 , wherein the new user session prevents access to the user to any other products provided by the first entity that are not co-branded products.

7. The apparatus of claim 1 , wherein the access for the user to the co-branded product in the first system includes access for the user to view or manage the co-branded product.

8. The apparatus of claim 1 , wherein the first system provides an online banking service and wherein the co-branded product is a financial product.

9. A computer-implemented method comprising:

receiving, at a first system of a first entity, a record associated with a second system of a second entity, the record associating a user with a co-branded product jointly provided by the first entity and the second entity;

receiving, at the first system of the first entity, registration information of the user registered with the second entity;

validating, using at least one hardware processor, the registration information at the first system based on the record;

initiating, using the at least one processor, and at the first system in response to a successful validation of the registration information, a new user session having a co-branded product session identifier, the new user session providing access to the user to the co-branded product in the first system;

receiving input indicative of a user command during the new user session; and

modifying, in the first system, a configuration parameter associated with the co-branded product associated with the user in response to the input.

10. The computer-implemented method of claim 9 , further comprising:

providing a co-branded user interface for enabling access for the user to the co-branded product in the first system, the co-branded user interface being different from a first entity user interface for users registered with the first entity.

11. The computer-implemented method of claim 9 , further comprising:

when validating the registration information at the first system:

determining, at the first system and using the at least one processor, based on the registration information, that the user has not previously been registered for access to the co-branded product in the first system;

verify, at the first system and using the at least one processor, the registration information by:

receiving personal information associated with the user;

identifying the existence of the record associating the user with the co-branded product in the first system based on the personal information; and

register, using the at least one processor, in response to verifying the registration information, the user for access to the co-branded product in the first system.

12. The computer-implemented method of claim 9 , further comprising:

receiving, at the first system, login information of the user, wherein the user is registered with the first entity for accessing the co-branded product in the first system, wherein the user is registered with the first entity based on a registration record in the first system;

authenticate, using the at least one processor, the login information at the first system based on the registration record; and

initiate, at the first system in response to a successful authentication of the login information, a further new user session having a co-branded product session identifier, the further new user session providing access for the user to the co-branded product in the first system.

13. The computer-implemented method of claim 9 , further comprising:

providing a co-branded user interface for enabling access for the user to the co-branded product in the first system, the co-branded user interface configured to display visual indicia of both the first entity and the second entity.

14. The computer-implemented method of claim 9 , wherein the new user session prevents access to the user to any other products provided by the first entity that are not co-branded products.

15. The computer-implemented method of claim 9 , wherein the access for the user to the co-branded product in the first system includes access for the user to view or manage the co-branded product.

16. The computer-implemented method of claim 9 , wherein the first system provides an online banking service and wherein the co-branded product is a financial product.

17. A non-transitory computer-readable storage medium having instructions embodied thereon, the instructions being executable by one or more processors to perform a method comprising:

receiving, at a first system of a first entity, a record associated with a second system of a second entity, the record associating a user with a co-branded product jointly provided by the first entity and the second entity;

receiving, at the first system of the first entity, registration information of the user registered with the second entity;

validating, using at least one processor, the registration information at the first system based on the record;

initiating, using the at least one processor, and at the first system in response to a successful validation of the registration information, a new user session having a co-branded product session identifier, the new user session providing access to the user to the co-branded product in the first system;

receiving input indicative of a user command during the new user session; and

modifying, in the first system, a configuration parameter associated with the co-branded product associated with the user in response to the input.

18. The non-transitory computer-readable storage medium of claim 17 , wherein the method further comprises:

providing a co-branded user interface for enabling access for the user to the co-branded product in the first system, the co-branded user interface being different from a first entity user interface for users registered with the first entity.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 9, 2025
From: SZVATH, RICHARD TITUS; VALOSHYN, VITALI; TADDEI, FABIO
To: THE TORONTO-DOMINION BANK
Reel/Frame 071644/0171 →
Continuity (1)
Related Publication 20240104249A1 · Mar 28, 2024
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