FINANCIAL TRANSACTION ROUTING
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United States of America Patent
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app pub date -
Aug 30, 2017
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Nov 5, 2012
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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.
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