Credit card account data extraction

A computing system comprising:

• memory;
• and
• one or more processors configured to perform operations comprising at least:
• prior to an initiation of a transaction over the Internet between a consumer computing device and a third-party computing system:
• receiving, from the consumer computing device associated with a consumer, an indication of access authorization for the third-party computing system to access credit card account information of the consumer, wherein the computing system is operated by a different entity than the third-party computing system and is remotely located from the third-party computing system;
• and
• adding the third-party computing system to a list of access authorizations associated with the consumer in a database;
• receiving an indication of an initiation of the transaction between the consumer computing device and the third-party computing system;
• and
• in response to receiving the indication of the initiation of the transaction between the consumer computing device and the third-party computing system:
• retrieving the list of access authorizations from the database;
• determining that the third-party computing system is included in the list of access authorizations;
• and
• in response to determining that the third-party computing system is included in the list of access authorizations:
• accessing credit data within a credit file of the consumer stored in a credit database maintained by a credit bureau, wherein the credit database stores credit files for a plurality of consumers;
• identifying a plurality of credit card accounts included in the credit file of the consumer;
• automatically selecting a recommended credit card for the transaction from among the plurality of credit card accounts, wherein the recommended credit card is selected based on both (i) an identity of retailer involved in the transaction and (ii) rewards program information associated with the recommended credit card;
• causing display of a selectable option within a user interface presented on the consumer computing device in association with the transaction, wherein the selectable option enables the consumer to select to complete the transaction using the recommended credit card;
• receiving an indication of a user selection within the user interface of the selectable option;
• and
• transmitting credit card information corresponding to the recommended credit card to the third-party computing system to complete the transaction.