Royal Bank of Canada
TRANSACTION SYSTEM WITH ACCOUNT MAPPING

Abstract:

Processing a transaction includes receiving transaction data for a transaction performed at a merchant, the transaction data including a tokenized universal identifier, a merchant identifier, and a transaction variable; detokenizing the transaction data to determine a universal identifier; identifying multiple accounts associated with the universal identifier; selecting, from the multiple accounts, an account to assign to the transaction, based at least in part on the universal identifier, the merchant identifier, and the transaction variable; and sending account information associated with the selected account to a payment processor to authorize the transaction.