公开(公告)号：US20180060834A1

公开(公告)日：2018-03-01

申请号：US15690970

申请日：2017-08-30

Applicant: First Data Corporation

Inventor： Steve Mathison

IPC: G06Q20/02 ,  G07F7/08 ,  G06Q20/20 ,  G06Q20/34

CPC classification number: G06Q20/027 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/352 ,  G07F7/0866

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.

公开(公告)号：US20140129358A1

公开(公告)日：2014-05-08

申请号：US13669224

申请日：2012-11-05

Applicant: FIRST DATA CORPORATION

Inventor： Steve Mathison

IPC: G06Q20/20

CPC classification number: G06Q20/027 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/352 ,  G07F7/0866

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.

Abstract translation: 本发明的实施例旨在选择由交易卡提供的优选交易应用和/或路由选项。 优选可以例如基于最低的交换费，批量率和/或激励来确定。 在一些实施例中，交易卡向POS设备提供多个事务应用和/或路由选择，并且POS设备可以与事务数据一起将这些选项传送到主机处理器。 主机处理器然后可以确定与每个路由选项和/或事务应用相关联的偏好，并且向POS提供关于哪个事务应用和/或路由选项具有偏好的推荐。