Computer-implemented system, method, and computer program product for automatically linking accounts in an electronic wallet

A system for automatically linking accounts in an electronic wallet associated with a user, comprising at least one server computer including at least one processor, the at least one server computer programmed or configured to:

• receive, from a user interface of a user device comprising an electronic wallet, first account data comprising a first payment account identifier corresponding to a first payment account issued to the user by an issuer associated with a first issuer system for initiating at least one of a credit and a debit payment;
• in response to receiving the first account data, automatically link, with at least one processor, the first account data to the electronic wallet associated with the user;
• in response to receiving the first account data, automatically determine user information corresponding to the user based at least partially on the first account data;
• automatically determine, based at least partially on the user information, whether at least one second payment account is issued to the user by an issuer for initiating at least one of a credit and a debit payment, wherein automatically determining whether the at least one second payment account is issued to the user comprises:
• communicating a request message comprising the first account data or the user information to a plurality of issuer systems comprising a second issuer system to cause the second issuer system of the plurality of issuer systems to return data associated with the at least one second payment account based at least partially on the first account data or the user information;
• and
• receiving from the second issuer system the data associated with the at least one second payment account;
• in response to determining that the at least one second payment account is associated with the user, determine, with at least one processor, second account data comprising a second payment account identifier from the data corresponding to the at least one second payment account, wherein the second account data is not stored in the electronic wallet associated with the user;
• in response to determining the second account data, automatically link the second account data to the electronic wallet associated with the user;
• and
• in response to the user initiating a payment transaction subsequent to the first account data being received:
• determine a status of the first payment account identifier or the second payment account identifier as lost, stolen, or cancelled;
• in response to determining that the first payment account identifier or the second payment account identifier is lost, stolen, or cancelled, receive from the first issuer system or the second issuer system, updated account data associated with the first payment account or the at least one second payment account;
• in response to receiving the updated account data, link the updated account data to the electronic wallet in place of the lost, stolen, or cancelled first payment account identifier or second payment account identifier;
• and
• in response to receiving a transaction request to initiate a transaction using the electronic wallet associated with the user, generate a recommendation of a payment account based at least partially on the transaction request, the first account data, and the second account data, wherein to generate the recommendation, the at least one server computer is programmed and/or configured to:
• receive the first account data and the second account data;
• analyze transaction data associated with the transaction request;
• determine first rewards benefits for the transaction request corresponding to the first payment account;
• determine second rewards benefits for the transaction request corresponding to the second payment account;
• and
• generate the recommendation based at least partially on the determined first rewards benefits and second rewards benefits,
• wherein the first account data or the second account data comprises at least one of the following:
• user name, user personal information, user bank identification number, portable financial device card verification value (cvv) code, portable financial device account identifier, portable financial device expiration date, portable financial device issuer data, portable financial device type, transaction spend limit on the portable financial device, outstanding balance on the portable financial device, cumulative transaction spend on the portable financial device, at least one offer corresponding to the portable financial device, or any combination thereof.

A computer program product for automatically linking accounts in an electronic wallet associated with a user comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:

• receive from a user interface of a user device comprising an electronic wallet, first account data comprising a first payment account identifier corresponding to a first payment account issued to the user by an issuer associated with a first issuer system for initiating at least one of a credit and a debit payment;
• in response to receiving the first account data, automatically link, with at least one processor, the first account data to the electronic wallet associated with the user;
• in response to receiving the first account data, automatically determine user information corresponding to the user based at least partially on the first account data;
• automatically determine, based at least partially on the user information, whether at least one second payment account is issued to the user by an issuer for initiating at least one of a credit and a debit payment, wherein automatically determining whether the at least one second payment account is issued to the user comprises:
• communicating a request message comprising the first account data or the user information to a plurality of issuer systems comprising a second issuer system to cause the second issuer system of the plurality of issuer systems to return data associated with the at least one second payment account based at least partially on the first account data or the user information;
• and
• receiving from the second issuer system the data associated with the at least one second payment account;
• in response to determining that the at least one second payment account is associated with the user, determine, with at least one processor, second account data comprising a second payment account identifier from the data corresponding to the at least one second payment account, wherein the second account data is not stored in the electronic wallet associated with the user;
• in response to determining the second account data, automatically link the second account data to the electronic wallet associated with the user;
• and
• in response to the user initiating a payment transaction subsequent to the first account data being received:
• determine a status of the first payment account identifier or the second payment account identifier as lost, stolen, or cancelled;
• in response to determining that the first payment account identifier or the second payment account identifier is lost, stolen, or cancelled, receive from the first issuer system or the second issuer system, updated account data associated with the first payment account or the at least one second payment account;
• in response to receiving the updated account data, link the updated account data to the electronic wallet in place of the lost, stolen, or cancelled first payment account identifier or second payment account identifier;
• and
• in response to receiving a transaction request to initiate a transaction using the electronic wallet associated with the user, generate a recommendation of a payment account based at least partially on the transaction request, the first account data, and the second account data, wherein to generate the recommendation, the program instructions, when executed by the at least one processor, cause the at least one processor to:
• receive the first account data and the second account data;
• analyze transaction data associated with the transaction request;
• determine first rewards benefits for the transaction request corresponding to the first payment account;
• determine second rewards benefits for the transaction request corresponding to the second payment account;
• and
• generate the recommendation based at least partially on the determined first rewards benefits and second rewards benefits,
• wherein the first account data or the second account data comprises at least one of the following:
• user name, user personal information, user bank identification number, portable financial device card verification value (cvv) code, portable financial device account identifier, portable financial device expiration date, portable financial device issuer data, portable financial device type, transaction spend limit on the portable financial device, outstanding balance on the portable financial device, cumulative transaction spend on the portable financial device, at least one offer corresponding to the portable financial device, or any combination thereof.