SURCHARGE AUDITING

摘要

Apparatus and methods for auditing a transaction record are provided. The transaction record may correspond to a credit card transaction. The auditing may include identifying a surcharge violation. The surcharge violation may be an unlawful surcharge. The auditing may identify patterns of double surcharging. Transaction-level auditing may include ensuring that a surcharge is returned upon a product return. A mobile wallet application may allow consumers to access and/or report merchant surcharge compliance activity. Functionality may include surcharge receipt scanning for use in crosschecking authenticity of a consumer report. Additional crosscheck functionality provided by geographic location support. Embodiments may include a registry for merchants that certify their surcharge calculations.

主权项

1. An article of manufacture comprising a non-transitory computer usable medium having computer readable program code embodied therein, the code when executed by a processor causes a computer to audit a transaction record, the computer readable program code in said article of manufacture comprising:
computer readable program code for causing the computer to receive the transaction record; computer readable program code for causing the computer to determine a surcharge attribute in the transaction record; computer readable program code for causing the computer to compare the surcharge attribute to a surcharge reference value; computer readable program code for causing the computer to detect a surcharge violation when the surcharge attribute does not correspond to the surcharge reference value; and wherein, when the transaction record is received from a merchant, the article further comprises computer readable program code for causing the computer to suspend receiving transaction records from the merchant in response to detection of the surcharge violation.