Systems and methods to provide benefits of account features to account holders

A computer storage medium storing instructions which, when executed on a computing apparatus, cause the computing apparatus to perform a method, the method comprising:

• storing account data identifying account features of a plurality of separate payment accounts;
• receiving data identifying a first existing payment account, wherein the account data indicates that the first payment account does not have an account feature;
• identifying at least one second existing payment account that is linked to the first payment account;
• and
• determining whether a user of the first payment account is eligible for a benefit of the account feature based on whether the account data indicates that the at least one second payment account has the account feature;
• wherein in response to a determination that the user of the first payment account is eligible for the benefit of the account feature based on that the second payment account that is linked to the first payment account has the account feature, the account feature is extended to the user of the first payment account.

A system, comprising:

• a transaction handler having at least one processor to process transactions, each of the transactions being processed to make a payment from an issuer to an acquirer via the transaction handler in response to an account identifier of a customer, as issued by the issuer, submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the customer, the acquirer to receive the payment on behalf of the merchant;
• a data warehouse having at least one storage device to store
• transaction data recording the transactions processed at the transaction handler,
• account data identifying account features of a plurality of separate accounts, including a first existing account that does not have an account feature and a second existing account that has the account feature, wherein account holders of the first account and the second account are linked via residing in a same household,
• a set of rules;
• and
• a portal having at least one processor to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit based on the set of rules;
• wherein the benefit of the account feature is extended to the transaction initiated in the first account if the second account that is linked to the first payment account has the account feature.