System, method, and computer program product for linking accounts across systems

A computer-implemented method, comprising:

• receiving, with at least one processor of a transaction service provider system, from at least one employer system, a plurality of tokens in association with a plurality of primary account numbers (PANs);
• before receiving an authorization request message comprising transaction data associated with a payment transaction and a PAN, storing, with the at least one processor of the transaction service provider system, in a database, the plurality of tokens in association with the plurality of PANs;
• receiving, with the at least one processor of the transaction service provider system, from a merchant system, the authorization request message comprising the transaction data associated with the payment transaction and the PAN;
• identifying, with the at least one processor of the transaction service provider system, a token corresponding to the PAN, wherein the token uniquely identifies a same account as the PAN;
• transmitting, with the at least one processor of the transaction service provider system, a request message comprising at least a portion of the transaction data associated with the payment transaction and the token to the at least one employer system, wherein the at least one employer system is associated with at least one employer institution;
• in response to receiving, from the at least one employer system, at least one response message comprising transaction adjustment data associated with an adjustment to the payment transaction, adjusting, with the at least one processor of the transaction service provider system, at least one parameter of the payment transaction based at least partially on the transaction adjustment data, wherein the at least one parameter of the payment transaction includes a transaction value of the payment transaction,
• wherein the transaction adjustment data includes a plurality of tiered adjustments to the payment transaction ordered in a sequence in which the plurality of tiered adjustments is to be used to adjust the payment transaction, and wherein the transaction service provider system adjusts the at least one parameter of the payment transaction based on the plurality of tiered adjustments according to the order of the sequence;
• after adjusting the at least one parameter of the payment transaction based at least partially on the transaction adjustment data, transmitting, with the at least one processor of the transaction service provider system, to an issuer system associated with the PAN, the authorization request message with an adjusted transaction value of the payment transaction and the PAN;
• and
• receiving, with the at least one processor of the transaction service provider system, from the issuer system, an authorization response message including an indication of whether the payment transaction including the adjusted transaction value is approved or declined.

A computer program product comprising at least one non-transitory computer-readable medium including one or more instructions that, when executed by at least one processor, cause the at least one processor to:

• receive, with a transaction service provider system, from at least one employer system, a plurality of tokens in association with a plurality of primary account numbers (PANs);
• before receiving an authorization request message comprising transaction data associated with a payment transaction and a PAN, store, with the transaction service provider system, in a database, the plurality of tokens in association with the plurality of PANs;
• receive, with the transaction service provider system, from a merchant system, the authorization request message comprising the transaction data associated with the payment transaction and the PAN;
• in response to receiving, with the transaction service provider system, from a merchant system, the authorization request message comprising the transaction data associated with the payment transaction and the PAN, identify, with the transaction service provider system, using the plurality of tokens stored in the database in association with the plurality of PANs, a token corresponding to the PAN, wherein the token uniquely identifies a same account as the PAN;
• transmit, with the transaction service provider system, a request message comprising at least a portion of the transaction data associated with the payment transaction and the token to the at least one employer system, wherein the at least one employer system is associated with at least one employer institution;
• and wherein the request message is configured to cause the at least one employer system to:
• compare, at the at least one employer system, one or more applicable adjustments to the payment transaction and the token;
• determine, at the at least one employer system, an adjustment to the payment transaction based on comparing the one or more applicable adjustments to the payment transaction and the token;
• and
• generate, at the at least one employer system, transaction adjustment data associated with the adjustment to the payment transaction,
• in response to receiving, with the transaction service provider system, from the at least one employer system, at least one response message comprising transaction adjustment data associated with an adjustment to the payment transaction, adjust at least one parameter of the payment transaction based at least partially on the transaction adjustment data, wherein the at least one parameter of the payment transaction includes a transaction value of the payment transaction,
• wherein the transaction adjustment data includes a plurality of tiered adjustments to the payment transaction ordered in a sequence in which the plurality of tiered adjustments is to be used to adjust the payment transaction, and wherein the transaction service provider system adjusts the at least one parameter of the payment transaction based on the plurality of tiered adjustments according to the order of the sequence;
• after adjusting, with the transaction service provider system, the at least one parameter of the payment transaction based at least partially on the transaction adjustment data, transmit, with the transaction service provider system, to an issuer system associated with the PAN, the authorization request message with an adjusted transaction value of the payment transaction and the PAN;
• and
• receive, with the transaction service provider system, from the issuer system, an authorization response message including an indication of whether the payment transaction including the adjusted transaction value is approved or declined.