Systems and methods for use in provisioning data

A system for provisioning data based on network messaging, the system comprising:

• a payment network computing device;
• and
• a data platform computing device coupled in communication with the payment network computing device;
• wherein the payment network computing device is configured to:
• receive an authorization message along a first communication path through payment rails of the payment network, from a first party, through a first one of multiple financial institutions, the authorization message including data associated with a first party, a primary account number (PAN) for a payment account associated with a user, and a transaction identifier for a transaction between the first party and the user;
• and
• pass, along the communication path, the authorization to a second one of the financial institutions, which is associated with the payment account;
• and
• wherein the data platform computing device is configured to:
• detect the authorization message based on the authorization message including the PAN;
• retrieve at least one control for data associated with the user, based on the PAN;
• identify data from a user profile associated with the user to be shared with the first party based on the data associated with the first party satisfying the at least one control, the data from the user profile including personal identifying data for the user;
• notify, via the first communication path through the payment rails of the payment network, the first party of the identified data to be shared and the transaction identifier;
• receive, from the first party, via the first communication path through the payment rails of the payment network, an acknowledgement of the identified data to be shared, the acknowledgement including a confirmation to send the data to be shared;
• and
• in response to the confirmation, share the identified data with the first party, along a second communication path, via an application programming interface (API) and apart from the first communication path through the payment rails of the payment network and apart from the first and second ones of the financial institutions.

A non-transitory computer-readable storage medium including computer-executable instructions for provisioning data based on network messaging, which, when executed by a processor of a payment network, cause the processor to:

• detect an authorization message along a first communication path through payment rails of the payment network, from a first party, through a first financial institution, to a second financial institution, based on a primary account number (PAN) included in the authorization message, the authorization message including data associated with the first party, a transaction identifier for a transaction between the first party and a user, and the PAN associated with a payment account of the user;
• retrieve at least one control for data associated the user based on the PAN;
• identify data from a user profile associated with the user to be shared with the first party based on the data associated with the first party satisfying the at least one control, the data from the user profile including personal identifying data for the user;
• user;
• notify, via the first communication path through the payment rails of the payment network, the first party of the identified data to be shared and the transaction identifier;
• receive, from the first party, via the first communication path through the payment rails of the payment network, an acknowledgement of the identified data to be shared, the acknowledgement including a confirmation to send the data to be shared;
• and
• in response to the confirmation, share the identified data with the first party along a second communication path, via an application programming interface (API) and apart from the first communication path, through the payment rails of the payment network, including the first financial institution.