Using Blockchain Ledger for Selectively Allocating Transactions to User Accounts

A method, comprising:

• at a computing platform comprising at least one processor, memory, and a communication interface:
• reading, by the at least one processor, from a blockchain, transaction information pertaining to a transaction between a user and a participant;
• identifying, by the at least one processor, the user and a plurality of linked user accounts;
• executing, by the at least one processor, an algorithm for generating allocation information for allocating the transaction to one or more of the linked user accounts;
• establishing, by the at least one processor, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmitting to the user computing device the allocation information which, when executed by the user computing device, causes a notification to be displayed on the user computing device.

One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:

• read, from a blockchain, transaction information pertaining to a transaction between a user and a participant;
• identify the user and a plurality of linked user accounts;
• execute an algorithm for generating allocation information for allocating the transaction to one or more of the linked user accounts;
• establish, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmit to the user computing device the allocation information which, when executed by the user computing device, causes a notification to be displayed on the user computing device.