Systems and Methods for Providing Enhanced Point-Of-Sale Services Involving Multiple Financial Entities

摘要

Systems and methods are provided for identifying enhanced services for presentation to a user at a point-of-sale terminal. The disclosed embodiments include, for example, a system that may be configured to receive a request to authenticate a purchase transaction that identifies a financial service account and a point-of-sale terminal. The system may be configured to determine an issuer of the user's account and to obtain, from the issuer, information identifying one or more first services offered by the issuer. The server may be further configures to transmit, to a point-of-sale device, information identifying the at least one of the first services available to the user

主权项

1. A system, comprising:
a storage device; and at least one processor coupled to the storage device, the storage device storing software instructions for controlling the at least one processor when executed by the at least one processor, and the at least one processor being operative with the software instructions and configured to:
receive first information identifying a purchase transaction involving a payment instrument of a user and second information identifying a point-of-sale terminal, the payment instrument being associated with an account of the user;determine, based on the first and second information, whether an issuer of the payment instrument corresponds to a provider of the point-of-sale terminal;when the issuer fails to correspond to the provider, request, from a server associated with the issuer, third information associated with a plurality of first services offered by the issuer;identify at least one of the first services available to the user based on at least one of the first information, the second information, or user profile information; andgenerate a first electronic command to transmit information identifying the at least one available first service for presentation on the point-of-sale terminal.