Systems and methods of improved electronic messaging

A system for electronic user message protocol extension for a transaction of an accountholder with a merchant, the system comprising:

• a memory device configured to store account data;
• and
• a message protocol extension (MPE) computing device in communication with the memory device, the MPE computing device further configured to:
• receive, from a merchant computing device associated with the merchant, transaction data including a merchant identifier that identifies the merchant as a default liable party for the transaction, wherein the accountholder requests delivery of an item associated with the transaction;
• receive, from a delivery party point of delivery (POD) computing device upon delivery of the item, an authorization advice data message that includes recipient account data associated with an account issued by an issuer for the recipient, wherein the authorization advice data message is received after the transaction is authorized by the issuer;
• extract, from the recipient account data, an issuer identifier associated with the issuer;
• reallocate, in response to the received authorization advice data message, liability for the transaction from the merchant to the issuer by replacing the merchant identifier with the issuer identifier in a first liable party data record for the transaction stored within the memory device;
• generate an updated authorization advice data message by inserting, into the authorization advice data message, a liability update flag that indicates message protocol extension to the issuer;
• and
• transmit the updated authorization advice data message to an issuer computing device associated with the issuer, thereby completing message protocol extension for the item from the merchant to the issuer.

A non-transitory computer readable medium that includes computer executable instructions for electronic user message protocol extension for a transaction of an accountholder with a merchant, wherein when executed by a message protocol extension (MPE) computing device comprising a processor in communication with a memory device, the computer executable instructions cause the MPE computing device to:

• receive, from a merchant computing device associated with the merchant, transaction data including a merchant identifier that identifies the merchant as a default liable party for the transaction, wherein the accountholder requests delivery of an item associated with the transaction;
• receive, from a delivery party point of delivery (POD) computing device upon delivery of the item, an authorization advice data message that includes recipient account data associated with an account issued by an issuer for the recipient, wherein the authorization advice data message is received after the transaction is authorized by the issuer;
• extract, from the recipient account data, an issuer identifier associated with the issuer;
• reallocate, in response to the received authorization advice data message, liability for the transaction from the merchant to the issuer by replacing the merchant identifier with the issuer identifier in a first liable party data record for the transaction stored within the memory device;
• generate an updated authorization advice data message by inserting, into the authorization advice data message, a liability update flag that indicates message protocol extension to the issuer;
• and
• transmit the updated authorization advice data message to an issuer computing device associated with the issuer, thereby completing message protocol extension for the item from the merchant to the issuer.