| 摘要 |
Embodiments described herein disclose a mobile device system and method for determining suggested payment sources within an application executed by the mobile device. A location of the device may be detected. A merchant corresponding to the detected location may be identified, and characteristics of the merchant may be received. Additionally, non-public promotions offered by an entity associated with a stored payment source or with the merchant are received. Based on the payment sources, characteristics, and promotions, a suggested payment source for a transaction between the merchant and a user of the mobile device is determined and displayed on a touch-sensitive display. The suggested payment source may be selected by the user. Thus, the user is presented with a suggested payment source based on the merchant, and may maximize reward account points, cash back, or minimize interest, based on the suggestion of a payment source. |
| 主权项 |
1. A mobile device system, comprising:
a non-transitory memory storing a plurality of payment sources associated with a user of the mobile device; one or more location detection sensors; a touch-sensitive display; and one or more hardware processors coupled to the non-transitory memory, the one or more location detection sensors, and the touch-sensitive display, wherein the one or more processors are configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
detecting, using the one or more location detection sensors, a location of the mobile device;transmitting, to a payment services provider, the detected location of the mobile device;identifying a merchant corresponding to the detected location of the mobile device;receiving, from the payment services provider, one or more characteristics of the merchant corresponding to the detected location of the mobile device, and one or more non-public promotions offered by an entity associated with one or more of a stored payment source and the merchant;determining, based on the one or more payment sources, the one or more characteristics, and the one or more non-public promotions, a suggested payment source for a transaction between the merchant and the user of the mobile device; anddisplaying, on the touch-sensitive display, the suggested payment source for selection by the user of the mobile device; andreceiving, using the touch-sensitive display, a selection of the suggested payment source by the user of the mobile device. |
