API - Inserting Contacts into Zoho and having them associate with Accounts

API - Inserting Contacts into Zoho and having them associate with Accounts

Hi, I can successfully connect with the API and insert leads and accounts into the CRM from a CSV file.  Now I'm preparing to write the calls to insert Contacts, but have no idea how to make sure they associate with the Accounts.

The data we get does NOT have a Zoho CRM ID with it, and we may have duplicate Account Names.  The whole point of this is to automate this process so that we don't have to manually import (which won't trigger the workflows we want triggered anyway).

So, I'm using php and straight curl (not the SDK, which was problematic).  I have an external ID that is unique to Accounts that is also contained in the Contacts file that successfully associates the two when doing an import.  

Just need to make it work with the API.  Is there a field (similar to the "find_by":"key_field") that can be used to associate Contacts to Accounts via an API insert?