SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR MANAGING TRANSACTION DATA

摘要

Systems, methods, and computer-program products are provided for managing transaction data. First record data is received, over a communications network, from a first reader terminal associated with a first merchant system. Second record data is received, over a communications network, from a second reader terminal associated with a second merchant system. The first record data and second record data are related with a profile corresponding to an application identifier (ID). The first record data is associated with a first transaction between the first reader terminal and a transaction instrument, and the second record data is associated with a second contactless transaction between the second reader terminal and the transaction instrument. The transaction instrument includes an application associated with the application ID. The first merchant system and the second merchant system are unassociated and not operable to share record data between each other.