Interchange categories
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United States of America Patent
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Sep 13, 2011
Grant Date -
Jan 13, 2011
app pub date -
Dec 31, 2009
filing date -
Apr 25, 2007
priority date (Note) -
In Force
status (Latency Note)
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Abstract
This document describes tools capable of altering to which interchange categories credit-card transactions are assigned. In some embodiments, the tools receive parameters for interchange categories and transaction information for a client (e.g., one or more merchants) that has been charged interchange fees based on some of these categories. The parameters are utilized (e.g., by a credit card issuer) to determine to which interchange category a particular transaction will be assigned. The tools may determine, based on these parameters and the transaction information, how transactions may be changed to enable similar credit-card transactions to be assigned to a lower-cost interchange category.
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