| 摘要 |
<p>A method is provided for processing debit transactions at the lowest cost (see Figure 1/Figure 2). The method includes providing a merchant network list from at least one merchant database (12) based upon the match of customer identification number and creating a merchant-customer network list by matching at least one common element from the merchant network list and the customer list. Then the system determines the validity for each common element of the merchant-customer network list and eliminates each invalid common element from the merchant-customer network list. Then the system sorts the elements of the merchant-customer network list based on network fee and communicates with a routing and processing database to determine the routing and processing method for each merchant-customer element. Finally, the system applies the lowest cost element for routing and processing a debit transaction.</p> |
