Visa International Service Association

Amy Alterman

Robert Yost

Meredith Altenhofen

Paul Spaeth

David Richey

Traci Engle

Aashish Bhargava

Denise Raper

Charisma Davasia

Jeffrey Sachs

Sameer Govila

Lisa Doherty

A user may conduct a plurality of access requests with a plurality of resource provider computers. A processor server computer may determine whether resource provider computers store access data associated with the user in various ways, including detecting patterns in sets of a plurality of access requests conducted between the user and each of the plurality of resource provider computers. Upon detecting that access data has changed, the processor server computer may automatically send the updated access data to each of the identified resource provider computer.

Automated access data change detection

Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.

System and method for updating account information

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Amy Alterman