公开(公告)号：US20160224965A1

公开(公告)日：2016-08-04

申请号：US14613600

申请日：2015-02-04

申请人： INTERNATIONAL BUSINESS MACHINES CORPORATION

发明人： Deepak Chauhan ,  Pranshu Tiwari ,  Saurabh Trehan

IPC分类号： G06Q20/22 ,  G06Q20/40 ,  G06Q20/36 ,  G06Q20/32

CPC分类号： G06Q20/227 ,  G06Q20/3278 ,  G06Q20/36 ,  G06Q20/363 ,  G06Q20/405

摘要： An approach is provided for determining an optimal payment instrument. A computer in a system configured in one of four predetermined cloud-based models updates a database with details about account balances and rewards provided by a customer's multiple accounts specifying payment instruments. A request is received from a near field communication enabled mobile device to purchase an item from a retailer. The request includes identifications of the retailer and the item. Based on the identifications, details about the account balances and rewards are retrieved from the database. Based on the details about the account balances and rewards, rules are applied and the optimal payment instrument is determined. A display of the optimal payment instrument to the customer is initiated. The optimal payment instrument is selected and a payment for the item by the optimal payment instrument is initiated.

摘要翻译： 提供了一种用于确定最佳付款工具的方法。 在四个预定的基于云的模型之一中配置的系统中的计算机更新数据库，其中包含由客户指定支付工具的多个帐户提供的帐户余额和奖励的详细信息。 从接近场通信的移动设备接收到从零售商购买物品的请求。 该请求包括零售商和物品的标识。 根据标识，从数据库检索帐户余额和奖励的详细信息。 根据帐户余额和奖励的细节，应用规则，确定最优付款方式。 开始向客户显示最佳支付工具。 选择最佳付款工具，并启动最佳支付工具对该项目的支付。