Systems and Methods for Appending Supplemental Payment Data to a Transaction Message

摘要

A managing platform for appending supplemental payment data to a transaction message receives a transaction message representative of a credit card transaction from a merchant or an associated financial institution. The managing platform uses the transaction data contained in the transaction message and other information to determine whether the transaction satisfies one or more payment rules previously established by the cardholder. If the transaction satisfies a payment rule, the managing platform appends supplemental payment data to the transaction message in a format specified by a financial institution associated with the cardholder. The supplemental payment data includes information identifying a secondary payment account associated with the satisfied payment rule. The managing platform subsequently transmits the appended transaction message to the financial institution associated with the cardholder.

主权项

1. A method for using a secondary account to fund a credit card transaction conducted between a cardholder and a merchant associated, the method comprising:
associating a secondary account with a credit card account, said credit card account maintained at a first financial institution; defining one or more payment rules associated with said secondary account; receiving, from a second financial institution, a transaction message associated with a credit card transaction using said credit card account, said transaction message comprising transaction data; determining whether said transaction data satisfies at least one of said one or more payment rules; appending, after said receiving, using a data formatting unit, supplemental payment data to said transaction message to form an appended transaction message when said transaction data satisfies at least one of said one or more payment rules, said supplemental payment data indicating that said credit card transaction is to be funded using said secondary account; and transmitting said appended transaction message to said first financial institution.