Patent ID: 9710822
Date: 2017-07-18
CPC Classifications: G06Q

Claim:
1. A method, comprising: receiving, by a computer based system, channel profile information from a digital channel; providing, by the computer based system and via the digital channel, syncing instructions for the digital channel; receiving, by the computer based system and via the digital channel and based on the synching instructions, synching requests from a plurality of transaction account holders; syncing, by the computer based system and in response to the synching requests, a plurality of transaction accounts of the plurality of transaction account holders with the digital channel over a network; storing, by the computer based system and in response to the synching over the network, the plurality of transaction accounts to create stored information; obtaining, by the computer based system and in response to the receiving the channel profile information, merchant information for a subset of merchants; tracking, by the computer based system and in response to the synching over the network, the plurality of transaction accounts synched with the digital channel and used at the subset of merchants; comparing, by the computer based system and in response to the tracking, merchant transaction information in a financial transaction of a merchant of the subset of merchants for an item with the stored information about a transaction account holder of the plurality of transaction account holders; authorizing, by the computer based system, a transaction account for the item; receiving, by the computer based system and from the digital channel, a request to verify that the transaction account holder conducted the financial transaction with the merchant; verifying, by the computer based system and based on the merchant transaction information, that the transaction account holder used the transaction account that is of the plurality of transaction accounts to transact in the financial transaction at the merchant; and notifying, by the computer based system and in response to the authorization and the verifying, the digital channel about the authorization of the transaction account and about the transaction account holder conducting the financial transaction with the merchant.