公开(公告)号：US20240127223A1

公开(公告)日：2024-04-18

申请号：US17967789

申请日：2022-10-17

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Zayna Francis ,  Simon R. Dix

IPC: G06Q20/36 ,  G06Q20/38

CPC classification number: G06Q20/363 ,  G06Q20/382

Abstract: Systems and methods for linking a plurality of data records to a tokenized identifier such that each data record is accessible via the tokenized identifier are disclosed. A first data record associated with a first account and a second data record associated with a second account may be loaded into a digital wallet. Next, a token primary account number (PAN) may be generated and linked to the first account and the second account. Available prepaid funds associated with the first account may be verified and displayed on a user interface. In response to an initiation of a transaction, an optimal payment structure based on the available funds of the first account may be determined. In response to authorization of the transaction from the issuing banks associated with the first account and the second account, an authorization message may be sent to a bank associated with the token PAN.