首页|Patent Issued for System and method for recommending portable financial device f or a payment transaction (USPTO 11922380)
Patent Issued for System and method for recommending portable financial device f or a payment transaction (USPTO 11922380)
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From the background information supplied by the inventors, news correspondents o btained the following quote: “With the advancements in technology, customers oft en use portable financial devices such as debit cards and credit cards for payme nt of products and services. A single customer may have multiple portable financ ial devices. Each portable financial device has different reward programs to pro vide one or more reward benefits to the customer, such as cashback, discount and reward points, upon using the portable financial device for a payment transacti on. The array of one or more reward programs associated with each portable finan cial device makes it difficult for the customer to decide which portable financi al device is beneficial for a given payment transaction in order to gain maximum reward benefits. Conventionally available systems use geolocation information to recommend the portable financial device for a payment transaction. However, th e conventional systems lack accuracy as it is very difficult to detect exact geo location of the customer. Further, while using the conventional systems, the cus tomer is required to use the portable financial device for the payment transacti on. Thus, the customer is required to always carry the portable financial device s with him. Furthermore, the conventional systems also fail to consider real-time data associated with the portable financial devices while recommending the por table financial device to the customer. Therefore, the conventional systems are not reliable.
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