SURCHARGE COMPLIANCE REGISTRY

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. One or more non-transitory computer-readable media storing computer-executable instructions which, when executed by a processor on a computer system, perform a method for determining a surcharge compliance score, the method comprising:
receiving a surcharge compliance record from a mobile device; receiving a proof-of-compliance record from the mobile device; determining a compliance score based on the surcharge compliance record and the proof-of-compliance record; and based on the compliance score, adjusting a compliance rating associated with a merchant.