FINANCIAL TRANSACTION ROUTING
    24.
    发明申请

    公开(公告)号:US20180060834A1

    公开(公告)日:2018-03-01

    申请号:US15690970

    申请日:2017-08-30

    Inventor: Steve Mathison

    Abstract: Embodiments of the invention are directed toward selecting a preferred transaction application and/or routing options that are provided by a transaction card. The preference can be determined, for example, based on the lowest interchange fee, a bulk rate, and/or an incentive. In some embodiments a transaction card provides a plurality of transaction applications and/or routing options to a POS device and the POS device can communicate these options to a host processor along with transaction data. The host processor can then determine a preference associated with each of the routing options and/or transaction applications, and provide a recommendation to the POS as to which transaction application and/or routing option have preference.

    Systems and methods for communicating transaction-related data to a recipient device

    公开(公告)号:US09842323B2

    公开(公告)日:2017-12-12

    申请号:US13801909

    申请日:2013-03-13

    CPC classification number: G06Q20/04 G06Q20/36 G06Q30/0207

    Abstract: Embodiments of the disclosure relate to systems and methods for communicating transaction-related data to a recipient device. In at least one embodiment, a computer-implemented method can be provided. The method can include directing storage of transaction-related information comprising payment data and value added services data. The method can further include communicating the transaction-related information to a recipient device during a card emulation communication initiated by the recipient device, wherein the recipient device utilizes the transaction-related information to complete a payment transaction and provide one or more value added services associated with the payment transaction.

    Customer pre-selected electronic coupons

    公开(公告)号:US09824366B2

    公开(公告)日:2017-11-21

    申请号:US12169024

    申请日:2008-07-08

    CPC classification number: G06Q30/02

    Abstract: Embodiments presented herein generally relate to novel systems and methods for managing electronic coupons. In embodiments, the user uploads one or more coupons into a mobile device. While shopping, the mobile device receives communications from one or more NFC sensors/transmitters associated with one or more products in one or more product displays. The mobile device can determine from information in the communication to which product the communication applies. The mobile device can then search for one or more uploaded coupons that apply to the one or more products. In embodiments, the mobile device alerts the user when one or more of the coupons apply.

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