The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 11, 2015
Filed:
Sep. 23, 2011
James G. Ronca, Decatur, GA (US);
Mark D. Zanzot, Huntersville, NC (US);
Christopher R. Griggs, Fort Mill, SC (US);
Lisa Gibson, Newnan, GA (US);
James G. Ronca, Decatur, GA (US);
Mark D. Zanzot, Huntersville, NC (US);
Christopher R. Griggs, Fort Mill, SC (US);
Lisa Gibson, Newnan, GA (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
According to some embodiments, a transaction processing system for evaluating transactions between a customer and a merchant comprises a transaction tracker, an account selection engine, and a performance module. The transaction tracker is operable to identify a transaction executed by a customer using a transaction device, the transaction device being operable to execute a transaction with a point of sale receiver associated with the merchant by providing an account number for a first account of the plurality of accounts. The account selection engine is operable to receive information identifying at least one characteristic of the transaction and select a recommended account based on the at least one characteristic. The performance module is operable to compare the first account with the recommended account to determine whether the customer would have received a financial benefit by executing the transaction using the recommended account instead of the first account.