Real-time card tier upgrades for card not present transactions

One or more computer storage devices having computer-executable instructions stored thereon, which, upon execution by a computer, cause the computer to perform operations comprising:

• notifying a cardholder that an account associated with a card is eligible for upgrade to a higher tier, the account having a primary account number (PAN), wherein the PAN is associated with a first tier;
• subsequent to notifying the cardholder, receiving, by a recipient system, a request associated with a card-not-present (CNP) transaction using the account associated with the card;
• upon receiving the request associated with the CNP transaction, requesting a consent from the cardholder for the upgrade to the higher tier, wherein the consent is requested within the recipient system before authorizing the CNP transaction;
• receiving the consent of the cardholder before authorizing the CNP transaction;
• upgrading the account of the cardholder to the higher tier;
• mapping an upgrade code corresponding to a second tier to the PAN within an upgrade code mapping table;
• authorizing the CNP transaction at the second tier using the upgrade code mapped to the PAN, causing a merchant-agnostic and industry-agnostic real-time card tier upgrade within the recipient system;
• generating a plurality of icons associated with a plurality of accounts, each account in the plurality of accounts associated with a tier in a plurality of tiers;
• receiving, via a graphical user interface (GUI), a user selection to organize each icon in the plurality of icons based on a specific criterion, wherein the specific criterion is an amount of use of each icon;
• determining the amount of use of each icon using a processor that tracks an amount of memory allocated to each application associated with each icon over a period of time;
• and
• automatically moving most-used icons to a position on the GUI closest to a start icon of a computer system based on the determined amount of use.

A computerized method for performing a real-time card tier upgrade of an account during a card-not-present transaction, the computerized method comprising:

• notifying a cardholder that an account associated with a card is eligible for upgrade to a higher tier, the account having a primary account number (PAN), wherein the PAN is associated with a first upgrade code corresponding to a first tier;
• subsequent to notifying the cardholder, receiving, by a recipient system, a card-not-present (CNP) transaction request associated with a CNP transaction using the account associated with the card;
• upon receiving the CNP transaction request, requesting a consent from the cardholder for the upgrade to the higher tier, wherein the consent is requested within the recipient system before authorizing the CNP transaction;
• receiving the consent of the cardholder before authorizing the CNP transaction;
• upgrading the account of the cardholder to the higher tier by mapping a second upgrade code corresponding to a second tier with the PAN;
• authorizing the CNP transaction at the second tier using the second upgrade code mapped to the PAN, causing a merchant-agnostic and industry-agnostic real-time card tier upgrade within the recipient system;
• generating a plurality of icons associated with a plurality of accounts, each account in the plurality of accounts associated with a tier in a plurality of tiers;
• receiving, via a graphical user interface (GUI), a user selection to organize each icon in the plurality of icons based on a specific criterion, wherein the specific criterion is an amount of use of each icon;
• determining the amount of use of each icon using a processor that tracks an amount of memory allocated to each application associated with each icon over a period of time;
• and
• automatically moving most-used icons to a position on the GUI closest to a start icon of a computer system based on the determined amount of use.