Methods and systems for providing a payment account with adaptive interchange

摘要

Pursuant to some embodiments, systems, methods, apparatus, and means for conducting payment transactions using mobile devices are provided in which a mobile device is presented at a point of sale for use in a payment transaction. A selection of a primary account is received from a user of the mobile device, and the mobile device automatically identifies a product type of the primary payment account. The mobile device selects and transmits a proxy payment account identifier having a product type equivalent to the product type of the primary payment account to the point of sale for use in the payment transaction. The point of sale causes a first payment authorization request message to be routed to an issuer of the proxy payment account.

主权项

1. A method for operating a mobile device to conduct a payment transaction, comprising:
presenting the mobile device at a point of sale for use in a payment transaction; receiving, from a user of said mobile device, a selection of a primary payment account for use in said payment transaction; automatically identifying, in said mobile device, at the point of sale, a product type of said primary payment account; and automatically selecting, by said mobile device, at the point of sale, a proxy payment account identifier having an equivalent product type as said product type of said primary payment account and causing said proxy payment account identifier to be transmitted to said point of sale for use in said payment transaction.