Abstract: Aspects of the disclosure relate to implementing and using a data processing system to allocate transactions to one or more linked user accounts. A computing platform having at least one processor, a memory, and a communication interface may read, from a blockchain, transaction information pertaining to a transaction between a user and a participant. The computing platform may identify the user and a plurality of linked user accounts, and then execute an algorithm for generating allocation information for allocating the transaction to one or more of the linked user accounts. The computing platform may 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.