System, Method, and Computer Program Product for Multi Account Access Based on a Single Credential

A computer-implemented method, comprising:

• receiving, with at least one processor from an acquirer system, an authorization request message associated with a transaction, the authorization request message comprising a first account identifier;
• determining, with at least one processor, that at least one of the transaction, the first account identifier, or any combination thereof qualifies for dynamic processing;
• identifying, with at least one processor, at least one processing option available for the dynamic processing of the transaction;
• transmitting, with at least one processor, a modified authorization request message to an issuer system, the modified authorization request message indicating the at least one processing option;
• receiving, with at least one processor, an authorization response message from the issuer system, the authorization response message comprising an authorization indicator and an identifier for a funding source compatible with a selected processing option of the at least one processing option;
• and
• transmitting, with at least one processor, a modified authorization response message based on the authorization indicator and the identifier for the funding source to the acquirer system.

A computer program product comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:

• receive, from an acquirer system, an authorization request message associated with a transaction, the authorization request message comprising a first account identifier;
• determine that at least one of the transaction, the first account identifier, or any combination thereof qualifies for dynamic processing;
• identify at least one processing option available for the dynamic processing of the transaction;
• transmit a modified authorization request message to an issuer system, the modified authorization request message indicating the at least one processing option;
• receive an authorization response message from the issuer system, the authorization response message comprising an authorization indicator and an identifier for a funding source compatible with a selected processing option of the at least one processing option;
• and
• transmit a modified authorization response message based on the authorization indicator and the identifier for the funding source to the acquirer system.