Systems and methods for account matching based on partial profile data

US12131327B2 · kind B2 · utility

Assignee

• JPMORGAN CHASE BANK, N.A. · US

Inventors

• Craig M. MULLANEY · Nonatum Mills, US
• Kevin J. STAUFFER · Avondale, US
• Tuan Dao · Richardson, US
• Alwin M. THOMAS · Nonatum Mills, US
• Gary W. MOYER · Landenberg, US
• Sakthi MUTHUSWAMY · Bear, US
• Sachin GADIYAR · Nonatum Mills, US
• Muzeeb MOHAMMAD · Nanticoke Farms, US
• Prashant G. PARANJAPE · Wilmington, US

Key dates

• Filing date: Oct 27, 2023
• Grant date: Oct 29, 2024
• Expiry date: Oct 27, 2043

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.