Fund transfer service for multiple linked transaction accounts

A system comprising:

• a processor;
• and
• a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
• receiving, by the processor, an account preference selected from a user interface of a client device, wherein the account preference comprises an instruction for selecting a respective consumer transaction account number among a plurality of consumer transaction account numbers linked to a transaction card number;
• receiving, by the processor, a transaction authorization request from a merchant system, wherein the transaction authorization request comprises a payment token and a payment amount;
• determining, by the processor, the transaction card number associated with the transaction authorization request by using a tokenization engine to parse the payment token;
• determining, by the processor, the plurality of consumer transaction account numbers linked to the transaction card number based at least in part on using the tokenization engine to query the transaction card number at an account database;
• selecting, by the processor, a first consumer transaction account number from the plurality of consumer transaction account numbers based at least in part on the tokenization engine identifying the account preference as being associated with the transaction card number;
• generating, by the processor, a funds transfer request, wherein the funds transfer request comprises a merchant account number, the first consumer transaction account number, and the payment amount;
• transmitting, by the processor, the funds transfer request to a transaction account network;
• and
• receiving, by the processor, a funds transfer notification from the transaction account network, wherein the funds transfer notification comprises data indicating whether funds were successfully transferred from a consumer transaction account associated with the first consumer transaction account number into a merchant account associated with the merchant account number.

An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer based system to perform operations comprising:

• receiving, by the computer-based system, an account preference selected from a user interface of a client device, wherein the account preference comprises an instruction for selecting a respective consumer transaction account number among a plurality of consumer transaction account numbers linked to a transaction card number;
• receiving, by the computer-based system, a transaction authorization request from a merchant system, wherein the transaction authorization request comprises a payment token and a payment amount;
• determining, by the computer-based system, the transaction card number associated with the transaction authorization request by using a tokenization engine to parse the payment token;
• determining, by the computer-based system, the plurality of consumer transaction account numbers linked to the transaction card number based at least in part on using the tokenization engine to query the transaction card number at an account database;
• selecting, by the computer-based system, a first consumer transaction account number from the plurality of consumer transaction account numbers based at least in part on the tokenization engine identifying the account preference as being associated with the transaction card number;
• generating, by the computer-based system, a funds transfer request, wherein the funds transfer request comprises a merchant account number, the first consumer transaction account number, and the payment amount;
• transmitting, by the computer-based system, the funds transfer request to a transaction account network;
• and
• receiving, by the computer-based system, a funds transfer notification from the transaction account network, wherein the funds transfer notification comprises data indicating whether funds were successfully transferred from a consumer transaction account associated with the first consumer transaction account number into a merchant account associated with the merchant account number.