Co-Branded Product Access via Validated Third-Party Registration

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Solution Overview

Problem

Existing computer systems do not enable access by non-customers to co-branded products or services provided jointly by a first and second entity, limiting the ability to provide a unified online experience.

Innovation Solution

A computing platform and method that allows non-customers of a first entity to access co-branded products by validating registration information associated with a second entity, initiating a new user session with a co-branded product session identifier, and providing access through a co-branded user interface.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If the system is configured to provide access only to registered customers of the first entity, then system security and access control are maintained, but non-customers cannot access co-branded products or services

Engineering Contradiction:
Improveaccess capabilityVSAvoidsystem configuration
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system is enhanced to support multiple access types: traditional customer access and new third-party access for co-branded products. The processor is configured to recognize different user categories (first entity customers, second entity customers, and non-customers) and apply appropriate access rules for each, making the system universal in handling diverse access scenarios

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

A new access mechanism is introduced as an intermediary between the system and non-customers. This mechanism validates registration information from the second entity and creates a bridged access path that allows non-customers to access co-branded products without being traditional customers of the first entity

Inventive Principle:
Principle #24Intermediary (Mediator)

2Ease of operation

If the system creates a new user session for each third-party access request, then access flexibility is improved, but session management complexity increases

Engineering Contradiction:
Improveaccess flexibilityVSAvoidsession management
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The user session management is segmented into distinct types: traditional customer sessions and co-branded product sessions. Each session type has its own validation and management rules. The processor identifies whether a request is for a co-branded product and creates an appropriate session type, reducing the complexity of managing mixed session types in a single unified system

Inventive Principle:
Principle #1Segmentation

3Measurement precision

If the system validates registration information from the second entity, then access accuracy for co-branded products is improved, but validation processing time increases

Engineering Contradiction:
Improveaccess validation accuracyVSAvoidvalidation processing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary validation by checking whether the user is a customer of the second entity before proceeding with full authentication for co-branded products. This preliminary check uses readily available registration information to quickly determine eligibility, reducing the time required for complete validation while maintaining accuracy

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS12411989B2System and method for providing third party access to a system
Publication Date: 2025.09.09 THE TORONTO DOMINION BANK
  • US12411989B2 patent drawing
  • US12411989B2 patent drawing
  • US12411989B2 patent drawing

AI summary

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.