| CPC G06F 9/466 (2013.01) [G06F 16/00 (2019.01)] | 20 Claims |
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1. A computer-implemented method comprising:
by a transaction management system that comprises one or more computers:
maintaining, in memory, one or more threshold criteria that i) are for a subset of products or services for which a first entity provides transactions, ii) were received from a second system for a second entity that provides the products or services, and iii) if satisfied would cause the transaction management system to access second data for the second entity that is stored in a database in the transaction management system to complete a transaction;
determining data for a transaction a) for a user account, b) at the first entity that performs transactions for a plurality of products, services, or a combination of both, from a plurality of second entities and c) for a product or service provided by the second entity from the plurality of second entities;
determining whether the transaction for the user account at the first entity satisfies the one or more threshold criteria that i) are for the subset of products or services for which the first entity provides transactions, ii) were received from the second system for the second entity that provides the products or services, and iii) if satisfied would cause the transaction management system to access second data for the second entity that is stored in a database in the transaction management system to complete a transaction;
in response to determining that the transaction for the user account at the first entity does not satisfy the one or more threshold criteria for the second entity:
determining to skip accessing second data for the second entity to complete the transaction; and
accessing first data for the first entity stored in a first database in the transaction management system to complete the transaction; and
accessing account data for the user account stored in an account database in the transaction management system to complete the transaction;
retrieving, from a first external system and using a network and the account data, user transaction data; and
completing the transaction by providing, to another system for the first entity and using the first data, the user transaction data and the product or service provider data.
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