System and method for multi-account provisioning

An automated system for providing provisioning information to a transaction data processing system, the system comprising:

• a datum encryption processor configured to:
• generate user datum encryption information, and
• transmit the user datum encryption information to a plurality of account administrator data processing systems and the transaction data processing system;
• a user account identification data processor configured to:
• receive, over a first network from the transaction data processing system, an encrypted user datum associated with a client user of the transaction data processing system,
• transmit, over a second network to each of the plurality of account administrator data processing systems, a user account query including the encrypted user datum,
• receive, over the second network from at least one of the plurality of account administrator data processing systems, a response comprising a notification that a user account administrated by that account administrator data processing system is associated with the client user,
• transmit, over the first network to the transaction data processing system, an account administrator list identifying the at least one of the plurality of account administrator data processing systems,
• receive, over the first network from the transaction data processing system, an account administrator selection message including identification of a user-selected account administrator from the account administrator list,
• receive, over the second network from the account administrator data processing system associated with the user-selected account administrator, client user authentication information,
• transmit, over the first network to the transaction data processing system, an authentication request,
• receive, over the first network, from the transaction data processing system, an authentication response including at least one client user-supplied authentication credential, and
• authenticate the account administrator selection message using the at least one client-user-supplied authentication credential and the client user authentication information;
• and
• a provisioning information broadcast data processor configured to:
• transmit, over the second network to the account administrator data processing system associated with the user-selected account administrator, a provisioning request message including a request for client user account provisioning information, wherein the action of transmitting the provisioning request message is carried out only in response to a positive authentication of the account administrator selection message,
• receive, over the second network from the account administrator data processing system associated with the user-selected account administrator, the client user account provisioning information, and
• transmit, over the first network to the transaction data processing system, the client user account provisioning information.

A non-transitory, computer readable medium comprising instructions that, when executed on a data processing system, perform actions comprising:

• transmitting, by a central data processing system to a plurality of account administrator data processing systems and a transaction data processing system, user datum encryption information;
• receiving, by the central data processing system from the transaction data processing system, an encrypted user datum associated with a client user of the transaction data processing system;
• transmitting, by the central data processing system to each of the plurality of account administrator data processing systems, a user account query including the encrypted user datum;
• receiving, by the central data processing system from at least one of the plurality of account administrator data processing systems, a response comprising a notification that a user account administrated by that account administrator data processing system is associated with the client user;
• transmitting, by the central data processing system to the transaction data processing system, an account administrator list identifying the at least one of the plurality of account administrator data processing systems;
• receiving, by the central data processing system from the transaction data processing system, an account administrator selection message including identification of a user-selected account administrator from the account administrator list;
• receiving, by the central data processing system from the account administrator data processing system associated with the user-selected account administrator, client user authentication information;
• transmitting, by the central data processing system to the transaction data processing system, an authentication request;
• receiving, by the central data processing system from the transaction data processing system, an authentication response including at least one client user-supplied authentication credential;
• authenticating, by the central data processing system, the account administrator selection message using the at least one client-user-supplied authentication credential and the client user authentication information;
• transmitting, by the central data processing system to the account administrator data processing system associated with the user-selected account administrator, a provisioning request message including a request for client user account provisioning information, wherein the action of transmitting the provisioning request message is carried out only in response to a positive authentication of the account administrator selection message;
• receiving, by the central data processing system from the account administrator data processing system associated with the user-selected account administrator, the client user account provisioning information;
• and
• transmitting, by the central data processing system to the transaction data processing system, the client user account provisioning information.