A method performed by an integrated system, the method comprising:
- for a user booking travel arrangements on a third-party travel system, receiving from the third party travel system booking information for a business trip of the user that the user booked on the third party travel system;
- parsing, by the integrated system, the received booking information to identify a commencement time of the business trip and a completion time of the business trip;
- receiving, from an administrative control panel, a dynamic policy specific to the user and specific to the business trip to be enforced at the point of sale during the business trip;
- based on the parsing and using the dynamic policy, generating a customized card that is specific to the user and specific to the business trip, and that is designed to apply the dynamic policy at each point of sale by the user during the business trip.
- generating, by the administrative control panel, a customized travel window that includes a specified amount of additional time before the commencement time or after the competition time;
- at a beginning of the travel window:
- modifying a data structure stored by a database associated with the integrated system to associate the card with the user and with the business trip;
- activating, by the integrated system, the card so that the card can now be used for transactions by the user;
- each time that the user is applying the card for a transaction, the integrated system performing a substantially real time reconciliation process at point of sale by:
- receiving from an external processing platform through an application programming interface an identification of the transaction;
- determining whether the transaction a) is occurring during the business trip, and b) is within the dynamic policy for the user and for the business trip;
- if a) and b) are met, transmitting to the external processing platform an authorization of the transaction;
- if a) and b) are not met, transmitting to the external processing platform a denial of the transaction;
- deactivating the card at an end of the time window such that the association of the card with the data structure is removed and the card can no longer be used for transactions;
- generating a statement associated with the card that lists a plurality of transactions that occurred by the user during the business trip.