SYSTEMS AND METHODS FOR PROVIDING VARIABLE FEE RATES FOR PROCESSING A TRANSACTION

摘要

A method for incentivizing a payment method includes providing a first fee rate for processing a payment to a payee from a payer, wherein the first fee rate is contingent upon use of a first payment method, and a second fee rate for processing the payment, wherein the second fee rate is contingent upon use of the first payment method and includes an incentive amount based on the difference between the second fee rate and the first fee rate. The method also includes receiving a selection of the second fee rate and, based on the selection, providing an incentive offer to an account holder, wherein the incentive offer is redeemable upon use of the first payment method to initiate the payment, and wherein the value of the incentive offer is based at least in part on the incentive amount.

主权项

1. A computer-implemented method performed by one or more processors of a payee financial institution computer system, the method comprising:
providing to a merchant computer system, by the payee financial institution computer system, a first fee rate for processing a payment to a payee from a payer, wherein the payee is a merchant, and wherein the first fee rate is contingent upon use of a first payment method by the payer to initiate the payment; providing to the merchant computer system, by the payee financial institution computer system, a second fee rate for processing the payment, wherein the second fee rate is contingent upon use of a second payment method by the payer to initiate the payment, and wherein the second fee rate is greater than the first fee rate; providing to the merchant computer system, by the payee financial institution computer system, a third fee rate for processing the payment, wherein the third fee rate is contingent upon use of the first payment method by the payer to initiate the payment, wherein the third fee rate is greater than the first fee rate and less than the second fee rate, and wherein the third fee rate includes an incentive amount based on the difference between the third fee rate and the first fee rate; and based on a selection of the third fee rate by the merchant computer system, providing, by the payee financial institution computer system, an incentive offer to the payer, wherein the incentive offer is redeemable upon use of the first payment method by the payer in a payment transaction with the merchant, and wherein the value of the incentive offer is based at least in part on the incentive amount.