CPC G06Q 20/401 (2013.01) [G06Q 20/24 (2013.01); G06Q 20/405 (2013.01); G06Q 20/425 (2013.01); G06Q 40/02 (2013.01)] | 18 Claims |
10. A system for payment card account matching based on partial profile data, comprising:
a financial institution backend comprising:
a database comprising complete account numbers for payment instruments for a plurality of financial institution customers;
a transaction authorization system; and
a server executing a matching engine;
a merchant backend for a merchant that does not store the complete account number for payment instruments; and
a third-party payment processor in communication with the merchant backend and a payment network;
wherein:
the matching engine is configured to receive, from the merchant, a subset of digits for a complete account number for a payment instrument for the merchant customer, wherein the merchant customer is one of the plurality of financial institution customers;
the matching engine is configured to identify a plurality of payment card accounts comprising the subset of digits in the database;
the matching engine is configured to identify, using machine learning, a first payment card account in the identified plurality of payment card accounts that has a brand with a highest probability of being used with the merchant;
the matching engine is configured to request the merchant backend to conduct a test transaction using the third-party payment processor over a payment network with the first payment card account;
the merchant backend is configured to receive the request and requests the third-party payment processor to conduct the test transaction;
the third-party payment processor is configured to receive the request and conducts the test transaction using the payment network;
after requesting the merchant to conduct the test transaction, the matching engine is configured to monitor a transaction authorization system for a transaction that involves the first payment card account; and
the matching engine is configured to associate the first payment card account involved in the test transaction with the merchant customer.
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