Mastercard International Incorporated

Timothy Glen Althoff

Archie G Counts

Mary K Rechert

Janice C Mehanovic

Shankar Subramanian

Peter Julian Reyes Flor

Gregory S Kriebaum

Marilyn Haqq

A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive a clearing data signal from the originating network. The clearing data signal includes clearing data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates a clearing response data signal that includes clearing response data by comparing the clearing data to the set of predefined rules stored in the memory device. The clearing response data indicates that the reviewing network will not guarantee settlement of at least one transaction included in the clearing data. The rules engine transmits the clearing response data signal to the originating network.

Rules engine for applying rules from a reviewing network to signals from an originating network

Systems and methods for interchange rate processing are provided. An interchange rate processing computing device is configured to receive transaction messages from one or more acquiring banks. Each transaction message may contain transaction data corresponding to a payment card transaction. The interchange rate processing computing device may analyze the transaction data to identify one or more one or more transaction characteristics. Based on the transaction characteristics, the interchange rate processing computing device may identify a lowest valid interchange rate for the payment card transaction and determine a corresponding interchange rate designator. The interchange rate processing computing device may then generate an enhanced transaction message including the transaction data and the interchange rate designator and transmit the enhanced transaction message to a payment processor, issuing bank, or other entity in a payment processing network.

Interchange rate processing system and method

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O'Fallon, MO, United States of America

Timothy Glen Althoff