Automatic Loyalty Account Linking via API Verification
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Solution Overview
Problem
Current systems lack an efficient method for automatically linking loyalty rewards accounts between authorized users and primary users of credit accounts, limiting the sharing of rewards and benefits across multiple users on the same credit account.
Innovation Solution
A computer-implemented system that uses a communications module, memory, and hardware processor to authenticate users and link loyalty rewards accounts by verifying account information through an API, allowing authorized users to access and contribute to the loyalty benefits of the primary user's account without human intervention.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual linking of loyalty accounts is required, then security control is maintained, but user convenience and operational efficiency deteriorate
Solution Approach 1:
The system enables authorized users to automatically link their loyalty accounts to the primary user's loyalty account without manual intervention. The user provides credentials and account information, and the system automatically verifies authorization and performs the linking operation, eliminating the need for manual account connection while maintaining security through automated verification
Solution Approach 2:
The system introduces an intermediary verification layer where the financial institution's system automatically checks whether the user providing credentials is an authorized user of the credit account. This intermediary verification mechanism enables automated linking while maintaining security by verifying authorization status before allowing account connection
2Productivity
If automated linking is implemented, then operational efficiency is improved, but security verification complexity increases
Solution Approach 1:
The system performs preliminary verification of the user's authorization status before allowing the loyalty account linking operation. By checking whether the user is an authorized user of the credit account in advance, the system ensures security is established before the main operation, enabling automated linking without compromising security
Solution Approach 2:
The system provides feedback to the loyalty program system about the authorization status of the user providing credentials. The financial institution's system returns information indicating whether the user is authorized, which enables the loyalty program to automatically proceed with linking only when authorization is confirmed, balancing security with operational efficiency
3Adaptability or versatility
If loyalty benefits are shared across multiple users, then customer loyalty program value is enhanced, but account management complexity increases
Solution Approach 1:
The system enables a single primary user's loyalty account to serve multiple authorized users automatically. Once the linking is established through the automated process, the loyalty benefits, rewards points, and perks become accessible to all linked authorized users through the same account structure, providing universal access without requiring separate account management for each user
Data Source
AI summary
The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.