Restricting account use by controlled replenishment

A method comprising:

• performing operations as follows by a processor of a server that is communicatively coupled to one of a plurality of payment nodes of a payments network:
• receiving, via a network node that is outside of the payments network, a restriction request message comprising a transaction restriction parameter for a secondary account from a consumer device used by a user of a primary account that is associated with the primary account;
• receiving, from one of the consumer device used by the user of the primary account and a secondary consumer device used by a user of the secondary account, a replenishment request message comprising a password and an account replenishment parameter for the secondary account, wherein the replenishment request message is received via a network node that is outside of the payments network;
• performing authentication based on the password included in the replenishment request message;
• identifying the transaction restriction parameter for the secondary account responsive to the authentication;
• generating a replacement key that is associated with the account replenishment parameter for the secondary account, responsive to determining that the account replenishment parameter satisfies the transaction restriction parameter;
• transmitting, via a network node that is outside of the payments network, a replenishment response message comprising the replacement key to a consumer device used by the user of the secondary account that is associated with the secondary account;
• receiving, through a network interface via the payments network, a transaction authorization request message that identifies the secondary account and includes a merchant-defined transaction parameter;
• and
• responsive to determining that the merchant-defined transaction parameter exceeds an account replenishment parameter for the secondary account, preventing transmission of an authorization response message through the network interface for an electronic transaction with a merchant terminal that is coupled to one of the payment nodes based on the merchant-defined transaction parameter relative to the account replenishment parameter for the secondary account.

A computer program product, comprising:

• a non-transitory computer-readable storage medium storing computer-readable program code therein that, when executed by a processor of a server that is communicatively coupled to one of a plurality of payment nodes of a payments network, causes the processor to perform operations comprising:
• receiving, via a network node that is outside of the payments network, a restriction request message comprising a transaction restriction parameter for a secondary account from a consumer device used by a user of a primary account that is associated with the primary account;
• receiving, from one of the consumer device used by the primary account user and a secondary consumer device used by a user of the secondary account, a replenishment request message comprising a password and an account replenishment parameter for the secondary account wherein the replenishment request message is received via a network node that is outside of the payments network;
• performing authentication based on the password included in the replenishment request message;
• identifying the transaction restriction parameter for the secondary account responsive to the authentication;
• generating a replacement key that is associated with the account replenishment parameter for the secondary account, responsive to determining that the account replenishment parameter satisfies the transaction restriction parameter;
• transmitting, via a network node that is outside of the payments network, a replenishment response message comprising the replacement key to a consumer device used by the user of the secondary account that is associated with the secondary account;
• receiving, through a network interface via the payments network, a transaction authorization request message that identifies the secondary account and includes a merchant-defined transaction parameter;
• and
• responsive to determining that the merchant-defined transaction parameter exceeds an account replenishment parameter for the secondary account, preventing transmission of an authorization response message through the network interface via the payments network for an electronic transaction with a merchant terminal that is coupled to one of the payment nodes based on the merchant-defined transaction parameter relative to the account replenishment parameter for the secondary account.