System and Method For Managing Transactions With A Portable Computing Device
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United States of America Patent
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N/A
Issued Date -
Nov 22, 2012
app pub date -
Nov 11, 2011
filing date -
May 17, 2011
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A method and system include verifying credentials for gaining access to a central mobile payment controller using the portable computing device (“PCD”). The central mobile payment controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The central mobile payment controller through a tender steering module may determine if a profile of the portable computing device is associated with a merchant branded payment account and/or with a merchant branded stored value account. The central mobile payment controller may produce a message that lists one or more preferred payment options in a ranked fashion that may favor a merchant based on interchange rates.
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