INTELLIGENT SELECTION OF TRANSACTION PROCESSING TECHNOLOGY AVAILABLE AT A MERCHANT LOCATION

摘要

There are provided systems and methods for intelligent selection of transaction processing technology available at a merchant location. A user may visit a merchant location and desire to purchase items from the merchant at the merchant location. The user may have options for one or more payment instruments to use at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through a geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

主权项

1. A system comprising:
a non-transitory memory storing user data for a user and merchant data for a plurality of merchants; and one or more hardware processors configured to execute instructions to cause the system to perform operations comprising:
accessing the user data for the user and the merchant data for the plurality of merchants from the non-transitory memory;determining a prospective merchant associated with the user using the user data and the merchant data;accessing payment data for the prospective merchant, wherein the payment data comprises at least one payment acceptance mechanism utilized by the prospective merchant at a merchant location for the prospective merchant; andconfiguring a payment process used by the user with the merchant location using the payment data.