Mastercard Incorporated
SYSTEMS AND METHODS FOR PRE-PAYMENT INCENTIVE MANAGEMENT

Abstract:

An integrated record management (IRM) computing device is configured to receive and store incentive structures and a record of a credited amount to be credited to a pre-paid debit account associated with a user. The computing device is also configured to receive a first authorization request message for a transaction with a merchant, and compare a transaction amount of the transaction to a credited amount of funds identified in the record. When the transaction amount is greater than the credited amount of funds, the computing device modifies the first authorization request message to generate a second authorization request message and transmits the second authorization request message to an issuer of another payment account associated with the user for authorization processing. When the transaction amount is less than or equal to the credited amount of funds, the computing device initiates a pre-paid debit transaction with the merchant and excluding the issuer.