Patent ID: 9727863
Date: 2017-08-08
CPC Classifications: G06Q

Claim:
1. A method comprising: storing, by a computing device, first account information in a database of account records, wherein the first account information is associated with an account corresponding to an account holder; generating, by the computing device, a first transmission including the first account information and a first request for an authorization of a transaction on the account; sending, by the computing device, the first transmission to an issuer of the account, wherein the first transmission including the first request for the authorization of the transaction is sent to the issuer via the transaction handler and an acquirer, wherein the issuer of the account stores second account information associated with the account corresponding to the account holder, wherein the issuer of the account compares the first account information to the second account information, and wherein the issuer of the account generates a denial of the first request when the first account information does not match the second account information; receiving, by the computing device, a second transmission including the denial by the issuer of the account of the first request for the authorization of the transaction in response to the first request for the authorization; in response to the received denial, automatically generating, by the computing device, a third transmission requesting a content of changes to the first account information; sending, by the computing device, the third transmission to a transaction handler, wherein the third transmission requests the content of changes to the first account information, wherein the transaction handler stores the content of the changes in a database of account records; receiving, by the computing device, a fourth transmission from the transaction handler including the content of the changes to the first account information; generating, by the computing device, a fifth transmission including a second request for an authorization of the transaction on the account corresponding to the account holder, wherein the second request includes the content of the changes to the first account information; and sending, by the computing device, the fifth transmission to the issuer of the account, wherein the issuer of the account authorizes or denies the transaction using the content of the changes.