System, method, and computer program product for linking accounts across systems

US11636490B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Jeffrey Moore · San Francisco, US
• Saurabh Chopra · Sunnyvale, US
• Luba Goldberg · San Francisco, US
• Darcy Montgomery Andrews · San Francisco, US
• Claire Taitague Feeley · London, GB

Key dates

• Filing date: Jan 17, 2020
• Grant date: Apr 25, 2023
• Expiry date: Jan 29, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/4012
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Provided are computer-implemented methods for linking accounts across systems which may include receiving an authorization request message including transaction data associated with a payment transaction and a primary account number (PAN); identifying a token corresponding to the PAN; transmitting a request message comprising at least a portion of the transaction data associated with the payment transaction and the token to at least one employer system, wherein the at least one employer system is associated with at least one employer institution; and receiving, from the at least one employer system, at least one response message comprising transaction adjustment data associated with an adjustment to the payment transaction. Methods may also include adjusting at least one parameter of the payment transaction based at least partially on the transaction adjustment data. Systems and computer program products are also provided.