公开(公告)号：US20170178095A1

公开(公告)日：2017-06-22

申请号：US15448171

申请日：2017-03-02

Applicant: MasterCard International Incorporated

Inventor： Bejoy Mathew ,  Theresa Marie Wand ,  Uthral Agrawal ,  Prashant Sharma ,  Adam Hosp ,  Joshua Joseph Baron ,  John Paul Sivill ,  Jonathan J. Fallert ,  Wayne Conrad Molitor ,  Marlowe Valdesabella

IPC: G06Q20/10 ,  G06Q20/36 ,  G06Q30/02 ,  G06Q20/40

CPC classification number: G06Q20/10 ,  G06Q20/227 ,  G06Q20/36 ,  G06Q20/405 ,  G06Q30/0227

Abstract: Intelligent advice and transaction handling systems and methods. An embodiment includes a merchant device, a merchant server computer, a consumer mobile device, and a smart preferences computer having a decision engine operably connected to a storage device. The storage device stores instructions configured to cause the decision engine to receive service call data associated with a purchase transaction, and determine that a cardholder associated with the purchase transaction is a registered smart preferences user. The process includes accessing smart preferences cardholder profile data, determining a recommendation including at least a first choice payment card account and a second choice payment card account, and then transmitting the first choice payment card account data to the merchant device for purchase transaction processing when the cardholder profile data includes a permission indication. However, the recommendation is transmitted to the cardholder device when the permission indication is not found.