US 11,836,722 B2
Systems and methods for account matching based on partial profile data
Craig M. Mullaney, Newark, DE (US); Kevin J. Stauffer, Avondale, PA (US); Tuan Dao, Richardson, TX (US); Alwin M. Thomas, Newark, DE (US); Gary W. Moyer, Landenberg, PA (US); Sakthi Muthuswamy, Bear, DE (US); Sachin Gadiyar, Newark, DE (US); Muzeeb Mohammad, Greenville, DE (US); and Prashant G. Paranjape, Wilmington, DE (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Jul. 22, 2020, as Appl. No. 16/936,305.
Claims priority of provisional application 62/877,347, filed on Jul. 23, 2019.
Prior Publication US 2021/0027296 A1, Jan. 28, 2021
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/24 (2012.01); G06Q 20/42 (2012.01); G06Q 40/02 (2023.01)
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
OG exemplary drawing
 
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.