US 12,131,327 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 Oct. 27, 2023, as Appl. No. 18/496,319.
Application 18/496,319 is a continuation of application No. 16/936,305, filed on Jul. 22, 2020, granted, now 11,836,722.
Claims priority of provisional application 62/877,347, filed on Jul. 23, 2019.
Prior Publication US 2024/0054491 A1, Feb. 15, 2024
This patent is subject to a terminal disclaimer.
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
 
1. A method for payment card account matching based on partial profile data, comprising:
receiving, by a financial institution backend and from a merchant, a subset of digits for a complete account number for a payment instrument for a merchant customer, wherein the merchant customer is also a financial institution customer, the merchant does not store the complete account number for the payment instrument, and a third-party payment processor for the merchant stores the complete account number for the payment instrument;
identifying, by the financial institution backend, a plurality of payment card accounts comprising the subset of digits in a financial institution database;
requesting, by the financial institution backend, the merchant to conduct a test transaction with a first payment card account of the identified plurality of payment card accounts over a payment network, wherein the merchant is configured to request the test transaction from the third-party payment processor and the third-party payment processor is configured to conduct the test transaction using a payment network;
after requesting the merchant to conduct the test transaction, monitoring, by the financial institution backend, a transaction authorization system for the test transaction that involves the first payment card account; and
associating, by the financial institution backend, the payment card account involved in the test transaction as the payment card account associated with the merchant customer.