System, Method, and Computer Program Product for Automatically Updating Credentials

A computer-implemented method comprising:

• receiving, with at least one processor of a transaction processing system from a first issuer system, a migration request identifying an original account identifier, a new account identifier, and a credential request history associated with the original account identifier, the original account identifier associated with a second transaction processing system;
• analyzing, with the at least one processor, the credential request history to identify at least one provisioned credential associated with the original account identifier, the at least one provisioned credential comprising at least one of a card-on-file merchant credential and a device token;
• and
• in response to identifying the at least one provisioned credential, automatically generating an update request configured to cause at least one of the following to update the at least one provisioned credential based on the new account identifier:
• a merchant system, a payment gateway associated with a merchant system, a user device, or any combination thereof.

A computer-implemented method comprising:

• receiving, with at least one processor of a transaction processing system from a first issuer system, a migration request identifying an original account identifier, a new account identifier, and a credential request history associated with the original account identifier, the original account identifier associated with a second transaction processing system;
• analyzing, with the at least one processor, the credential request history to identify at least one provisioned credential of a card-on-file merchant and at least one device token associated with the original account identifier;
• in response to identifying the provisioned credential of at least one card-on-file merchant, automatically generating a merchant update request configured to cause the card-on-file merchant to update account data associated with the provisioned credential and stored by a merchant system of the card-on-file merchant;
• and
• in response to identifying the at least one device token, automatically generating a device update request configured to cause a user device to update account data associated with the at least one device token and stored by the user device.

A computer program product comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor of a transaction processing system, causes the at least one processor to:

• receive, from a first issuer system, a migration request identifying an original account identifier, a new account identifier, and a credential request history associated with the original account identifier, the original account identifier associated with a second transaction processing system;
• analyze the credential request history to identify at least one provisioned credential associated with the original account identifier, the at least one provisioned credential comprising at least one of a card-on-file merchant credential and a device token;
• and
• in response to identifying the at least one provisioned credential, automatically generate an update request configured to cause at least one of the following to update the at least one provisioned credential based on the new account identifier:
• a merchant system, a payment gateway associated with a merchant system, a user device, or any combination thereof.