Systems and methods for using shared databases for managing supplemental payment sources

A computer-implemented method of managing a plurality of supplemental payment sources of a user, the method comprising:

• receiving an identifier of a primary payment source account of a user for applying resources to transactions originating at one or more merchants, the primary payment source account being stored in a database, wherein the primary payment source account is represented by a primary payment source payment vehicle;
• receiving identifiers of one or more supplemental payment source accounts of the user for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being stored in the database, wherein the identifiers of the supplemental payment source accounts are linked in the database to the primary payment source account, and wherein the resources in the supplemental payment source accounts are applicable to transactions by the user presenting only the primary payment source payment vehicle to originate the transactions;
• receiving from the user and storing in the database, linked to the identifier of the user's primary payment source account, preference settings for applying resources of the primary payment source account and one or more of the supplemental payment source accounts to merchant transactions, based on merchant category identifiers of merchants involved in the transactions;
• receiving a transaction authorization request for a transaction originated by the user presenting the primary payment source payment vehicle, the transaction authorization request identifying the primary payment source account of the user and a merchant category identifier of a merchant at which the transaction originates;
• identifying the preference settings linked, in the database, to the user's primary payment source account based on the received identifier of the user's primary payment source account and the received merchant category identifier of the merchant at which the transaction originates;
• evaluating the identified preference settings to identify, from among the plurality of payment combinations, a combination of payment source accounts to use in relation to the transaction, the combination being allocated to the transaction according to the evaluated preference settings and based on the merchant category identifier of the merchant involved in the transaction;
• and
• processing the transaction using resources defined by the identified combination of payment source accounts.

A system for managing a plurality of supplemental payment sources of a user, the system comprising:

• a data storage device storing instructions for managing a plurality of supplemental payment sources of a user;
• and
• a processor configured to execute the instructions to perform a method including:
• receiving an identifier of a primary payment source account of a user for applying resources to transactions originating at one or more merchants, the primary payment source account being stored in a database, wherein the primary payment source account is represented by a primary payment source payment vehicle;
• receiving identifiers of one or more supplemental payment source accounts of the user for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being stored in the database, wherein the identifiers of the supplemental payment source accounts are linked in the database to the primary payment source account, and wherein the resources in the supplemental payment source accounts are applicable to transactions by the user presenting only the primary payment source payment vehicle to originate the transactions;
• receiving, from the user, and storing, in the database, linked to the identifier of the user's primary payment source account, preference settings for applying resources of the primary payment source account and one or more of the supplemental payment source accounts to merchant transactions, based on merchant categories of merchants involved in the transactions;
• receiving a transaction authorization request for a transaction originated by the user presenting the primary payment source payment vehicle, the transaction authorization request identifying the primary payment source account of the user and a merchant category identifier of the merchant at which the transaction originates;
• identifying the preference settings linked, in the database, to the user's primary payment source account based on the received identifier of the user's primary payment source account and the received merchant category identifier of the merchant at which the transaction originates;
• evaluating the identified preference settings to identify, from among the plurality of payment combinations, a combination of payment source accounts to use in relation to the transaction, the combination being allocated to the transaction according to the evaluated preference settings and based on the merchant category identifier of the merchant involved in the transaction;
• and
• processing the transaction using resources defined by the identified combination of payment source accounts.

A non-transitory machine-readable medium storing instructions that, when executed by a supplemental payment service computing system, cause the supplemental payment service computing system to perform a method for managing a plurality of supplemental payment sources of a user, the method including:

• receiving an identifier of a primary payment source account of a user for applying resources to transactions originating at one or more merchants, the primary payment source account being stored in a database, wherein the primary payment source account is represented by a primary payment source payment vehicle;
• receiving identifiers of one or more supplemental payment source accounts of the user for applying resources to transactions originating at one or more merchants, the supplemental payment source accounts being stored in the database, wherein the identifiers of the supplemental payment source accounts are linked in the database to the primary payment source account, and wherein the resources in the supplemental payment source accounts are applicable to transactions by the user presenting only the primary payment source payment vehicle to originate the transactions;
• receiving, from the user, and storing, in the database, linked to the identifier of the user's primary payment source account, preference settings for applying resources of the primary payment source account and one or more of the supplemental payment source accounts to merchant transactions, based on merchant category identifiers of merchants involved in the transactions;
• receiving a transaction authorization request for a transaction originated by the user presenting the primary payment source payment vehicle, the authorization request identifying the primary payment source account of the user and a merchant category identifier of the merchant at which the transaction originates;
• identifying the preference settings linked, in the database, in relation to the user's primary payment source account based on the received identifier of the user's primary payment source account and the received merchant category identifier of the merchant at which the transaction originates;
• evaluating the identified preference settings to identify from among the plurality of payment combinations a combination of payment source accounts to use in relation to the transaction, the combination being allocated to the transaction according to the evaluated preference settings and based on merchant category identifier of the merchant involved in the transaction;
• and
• processing the transaction using resources defined by the identified combination of payment source accounts.