US 12,112,334 B2
Secondary account management platform
Kellie Goodwin, San Francisco, CA (US); and David Henstock, San Francisco, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Jun. 30, 2021, as Appl. No. 17/364,225.
Application 17/364,225 is a continuation of application No. 16/126,957, filed on Sep. 10, 2018, granted, now 11,080,712.
Claims priority of provisional application 62/556,945, filed on Sep. 11, 2017.
Prior Publication US 2021/0326877 A1, Oct. 21, 2021
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/22 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/405 (2013.01) [G06Q 20/227 (2013.01); G06Q 20/229 (2020.05); G06Q 20/3672 (2013.01); G06Q 20/3676 (2013.01); G06Q 20/401 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, at a transaction application stored on a user device of a secondary user from a server computer, a digital token for a digital secondary account linked to a primary account of a primary user, wherein the digital secondary account is associated with a number of protocols indicating transactions that can be authorized at a particular status associated with the digital secondary account, wherein the transaction application is managed by a remote application server;
provisioning, at the transaction application, the digital token for the digital secondary account to be stored on the user device;
transmitting, by the transaction application, an itinerary associated with the digital secondary account to the server computer, wherein the itinerary indicates a plurality of statuses associated with the digital secondary account during specified periods of time;
providing, by the transaction application, the digital token for the digital secondary account to a recipient for conducting a transaction having a transaction amount;
receiving, by the transaction application from the server computer, a message indicating that the digital token for the digital secondary account is invalid for a first portion of the transaction amount based on the itinerary associated with the digital secondary account, wherein the first portion exceeds a threshold associated with the digital secondary account;
displaying, by the transaction application, a first graphical user interface indicating that the first portion of the transaction amount is to be processed using a personal account of the secondary user; displaying, by the transaction application, a second graphical user interface for generating a request to adjust at least one of the number of protocols;
receiving, by the transaction application via the second graphical user interface, a numeric input for an increase to the threshold associated with the digital secondary account and a text input providing context for the request;
transmitting, by the transaction application via the remote application server managing the transaction application, the request to adjust the at least one of the number of protocols to a user device of the primary user, wherein the number of protocols is adjustable by the primary user on the remote application server; and
completing, by the transaction application, the transaction by providing payment credentials comprised of the digital token, wherein the transaction is processed using multiple accounts associated with multiple people including the personal account of the secondary user and the primary account of the primary user.