US 12,002,056 B2
Systems and methods for use in provisioning data
Charles Sangwon Lee, Briarcliff Manor, NY (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Oct. 9, 2020, as Appl. No. 17/067,273.
Claims priority of provisional application 62/914,085, filed on Oct. 11, 2019.
Prior Publication US 2021/0110400 A1, Apr. 15, 2021
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); H04L 67/125 (2022.01)
CPC G06Q 20/4097 (2013.01) [G06Q 20/40155 (2020.05); G06Q 20/42 (2013.01); H04L 67/125 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A computer-implemented method for provisioning data based on network messaging, the method comprising:
passing, by a payment network, an authorization message along a first communication path through payment rails of the payment network, from a first party, through a first institution, to a second institution, the authorization message including an account identifier for an account specific to a user, a transaction identifier for a transaction between the first party and the user, and data associated with the first party, the data associated with the first party including at least one of a code associated with a category of the first party and/or an identifier of the first party;
detecting, by a data platform computing device of the payment network, the account identifier in the authorization message;
retrieving, by the data platform computing device, at least one control associated with the user and included in memory of the data platform computing device, based on the account identifier;
identifying, by the data platform computing device, data from a user profile for the user to be shared with the first party based on the data associated with the first party satisfying the at least one control, the data from the user profile including personal identifying data for the user;
notifying, by the data platform computing device, via the first communication path through the payment rails of the payment network, the first party of the identified data to be shared and the transaction identifier from the authorization message;
receiving, by the data platform computing device, via the first communication path through the payment rails of the payment network, from the first party, an acknowledgement of the identified data to be shared, the acknowledgement including a confirmation to send the data to be shared; and
in response to the confirmation, sharing, by the data platform computing device, the identified data with the first party, along a second communication path, via an application programming interface (API) and apart from the first communication path through the payment rails of the payment network and apart from the first institution and the second institution.