Systems and methods for customizing authentication credentials for a payment card

A method, comprising:

• storing, by a financial institution computing system, in a database, a plurality of personal identification numbers (PINs) for authenticating transactions conducted using a payment card account, wherein each PIN of the plurality of PINs are associated with the payment card account;
• providing, by the financial institution computing system, to a thin-client application executing on a client device, a first web page including a user interface comprising a plurality of links, each of the plurality of links corresponding to a respective PIN of the plurality of PINs associated with the payment card account;
• receiving, by the financial institution computing system, responsive to an interaction with a first link of the plurality of links corresponding to a first PIN of the plurality of PINs, via the first web page displayed in the thin-client application, a first request to modify the first PIN of the plurality of PINs associated with the payment card account, the first request comprising (i) the first PIN, (ii) a replacement PIN, and (iii) a password that is required to authenticate a user of the client device as having authority to configure the payment card account, wherein the password is different from the first PIN and different from the replacement PIN;
• authorizing the requested modification to the first PIN by authenticating, by the financial institution computing system, the password included in the first request;
• responsive to authorizing the requested modification, replacing, by the financial institution computing system, the first PIN with the replacement PIN, such that the replacement PIN is associated with the payment card account;
• receiving, by the financial institution computing system, via the user interface displayed in the thin-client application, a second request comprising a selection of an account profile of a plurality of account profiles associated with the payment card account to assign to the replacement PIN;
• assigning, by the financial institution computing system, the selected account profile to the replacement PIN associated with the payment card account;
• receiving, by the financial institution computing system via the user interface of the thin-client application executing on the client device, a request to add a restriction to the selected account profile of the plurality of account profiles of the payment card account, the restriction including at least one of a purchase limit, a location limit, or an expiration period;
• modifying, by the financial institution computing system, the selected account profile by storing, in the database, the restriction in association with the selected account profile assigned to the replacement PIN;
• receiving, by the financial institution computing system from a merchant computing device, a transaction request for a transaction, the transaction request identifying the payment card account and including the replacement PIN;
• retrieving, by the financial institution computing system, from the database and responsive to receiving the transaction request, the restriction stored in association with the selected account profile that is assigned to the PIN included in the transaction request;
• determining, by the financial institution computing system, that the transaction request is compliant with the restriction;
• transmitting, by the financial institution computing system to the merchant computing device, an indication that the transaction request is compliant with the restriction;
• identifying, by the financial institution computing system, a budget category associated with the selected account profile;
• assigning, by the financial institution computing system, an amount of the transaction to the budget category;
• applying, by the financial institution computing system, the transaction to the payment card account;
• receiving, by the financial institution computing system from the merchant computing device, a second transaction request for a second transaction, the second transaction request identifying the payment card account and including the replacement PIN;
• retrieving, by the financial institution computing system, from the database and responsive to receiving the second transaction request, the restriction stored in association with the selected account profile that is assigned to the replacement PIN included in the transaction request;
• determining, by the financial institution computing system, that the second transaction request is not compliant with the restriction;
• and
• denying, by the financial institution computing system, the second transaction request responsive to determining that the second transaction request is not compliant with the restriction.