08-01-2015 дата публикации
Номер: US20150012425A1
Принадлежит:
Methods, apparatus and systems include an intelligent decision engine that analyzes data associated with the payment card accounts of a consumer along with other information regarding a particular transaction, and then provides a recommendation to a cardholder concerning which payment card account(s) to use to maximize value. In an embodiment, a processor receives service call data associated with a purchase transaction, determines that a cardholder is a registered smart preferences user, and accesses smart preferences cardholder profile data. The processor then determines a recommendation of at least one payment card account to select for use in the purchase transaction, and transmits the recommendation to a device for consideration and selection of a payment card account by the cardholder. 1. A method comprising:receiving, by a processor, service call data associated with a purchase transaction;determining, by the processor, that a cardholder associated with the purchase transaction is a registered smart preferences user;accessing, by the processor, smart preferences cardholder profile data which includes preferences data, digital wallet data including cardholder product data, and cardholder benefits data;determining, by the processor, based on the preferences data, the cardholder product data, and the cardholder benefits data, a recommendation of at least one payment card account to select for use in the purchase transaction; andtransmitting, by the processor, the recommendation to a device for consideration and selection of a payment card account by the cardholder.2. The method of claim 1 , wherein claim 1 , prior to transmitting the recommendation:determining, by the processor, that the cardholder granted permission to transmit payment card account data associated with a best choice payment card account recommendation directly to a merchant; andtransmitting, by the processor, the best choice payment card account data to the merchant to consummate the purchase ...
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