Secondary account management platform
Embodiments of the disclosure are directed to methods and systems for enabling generation and management of a secondary account. The secondary account may be generated in relation to a primary account, such that at least a portion of a transaction conducted using the secondary account may be charged to the primary account. In some embodiments, the secondary account may be associated with a number of protocols to be applied to a transaction. When a transaction is initiated using the secondary account, a service provider may consult an itinerary to dynamically generate a set of protocols which is relevant to the transaction based on a time period during which the transaction is initiated. In some embodiments, portions of the transaction may be split up and transmitted to different authorization entities for authorization.
1. A method comprising:
receiving, at a transaction application stored on a user device of a secondary user from a server computer, a digital token for a digital secondary account linked to a primary account of a primary user, wherein the digital secondary account is associated with a number of protocols indicating transactions that can be authorized at a particular status associated with the digital secondary account, wherein the transaction application is managed by a remote application server;
provisioning, at the transaction application, the digital token for the digital secondary account to be stored on the user device;
transmitting, by the transaction application, an itinerary associated with the digital secondary account to the server computer, wherein the itinerary indicates a plurality of statuses associated with the digital secondary account during specified periods of time;
providing, by the transaction application, the digital token for the digital secondary account to a recipient for conducting a transaction having a transaction amount;
receiving, by the transaction application from the server computer, a message indicating that the digital token for the digital secondary account is invalid for a first portion of the transaction amount based on the itinerary associated with the digital secondary account, wherein the first portion exceeds a threshold associated with the digital secondary account;
displaying, by the transaction application, a first graphical user interface indicating that the first portion of the transaction amount is to be processed using a personal account of the secondary user; displaying, by the transaction application, a second graphical user interface for generating a request to adjust at least one of the number of protocols;
receiving, by the transaction application via the second graphical user interface, a numeric input for an increase to the threshold associated with the digital secondary account and a text input providing context for the request;
transmitting, by the transaction application via the remote application server managing the transaction application, the request to adjust the at least one of the number of protocols to a user device of the primary user, wherein the number of protocols is adjustable by the primary user on the remote application server; and
completing, by the transaction application, the transaction by providing payment credentials comprised of the digital token, wherein the transaction is processed using multiple accounts associated with multiple people including the personal account of the secondary user and the primary account of the primary user.
2. The method of claim 1 , further comprising:
displaying, by the transaction application, a plurality of accounts associated with the secondary user, the plurality of accounts including the digital secondary account;
receiving, by the transaction application, a user input selecting the digital secondary account; and
providing, by the transaction application, the digital token for the digital secondary account to the recipient after receiving the selection of the digital secondary account.
3. The method of claim 2 , wherein the digital secondary account is associated with a first project, wherein at least one of the plurality of accounts is associated with a second project.
4. The method of claim 3 , wherein the at least one of the plurality of accounts is associated with the primary account of the primary user.
5. The method of claim 3 , wherein the at least one of the plurality of accounts is associated with a primary account of a different primary user.
6. The method of claim 1 , wherein the primary account is valid and the digital secondary account is invalid outside the specified periods of time as indicated in the itinerary.
7. The method of claim 1 , wherein the digital token for the digital secondary account includes a primary account number or a token representing the primary account number.
8. The method of claim 1 , wherein the recipient is a mobile application stored on the user device.
9. The method of claim 1 , wherein the recipient is an electronic device.
10. The method of claim 1 , further comprising:
receiving, by the transaction application, a user input to display one or more attributes associated with a project assigned to the digital secondary account.
11. The method of claim 10 , wherein the one or more attributes include one or more of limits associated with the digital secondary account, policies associated with the digital secondary account, a balance of the digital secondary account.
12. The method of claim 1 , further comprising:
displaying, by the transaction application, a user interface for requesting a spending limit increase from the primary user; and
transmitting, by the transaction application, a message to the user device of the primary user requesting the spending limit increase.