PCD 732E DRIVER DETAILS:
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PCD 732E DRIVER
Cummer, and R. HolzworthPolarity and energetics of inner core lightning in three intense North Atlantic hurricanes, J. The tag mappings module C may store the various specific tags that may be scanned with the PCD The accepted payment options module D may control the listing of payment options that are displayed on the PCD when a final amount is listed as due for a transaction. The preferences module E may store various preferences from merchants such as payment types and costs associated with each payment type that may be selected by an operator of a PCD The rules engine may also comprise a plurality of modules.
Exemplary modules include, but are not limited to, a loyalty sign-in modulea balance display modulethe personalized pricing modulea tender steering moduleand a product ensemble engine The loyalty sign-in module may be responsible for automatically retrieving loyalty data associated pcd 732e the portable computing device The balance display module may be responsible for sending the data to the display of the portable computing device The rules engine may comprise software or hardware or both.
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The tender steering module may be responsible for automatically displaying the options for paying for a particular transaction. The options would include those associated with the alternative payment systems 18 as well as the traditional payment systems 20 that are associated with the operator of the portable computing device Specifically, with the tender steering module of FIG. Other payment accounts may include those accounts in which the merchant may pay a lower interchange rate for processing payments for a transaction. Other accounts that may lower interchange pcd 732e for merchants may include stored value accounts like merchant branded gift card accounts. The tender steering module may promote the use of partial payment with gift cards that do not have value equal to the purchase price.
The operator may then select from the portable computing device another form of payment account in addition to the stored value account if the stored value account does not have sufficient value to cover the entire pcd 732e price. In this way, merchants may ensure that low value gift cards are utilized by the consumer so that the merchant may clear out gift card accounts. The system through the tender steering module may order or sequence the payment accounts on a portable computing device in such a fashion so that the most desirable or favored payment accounts by the merchant are presented first to the consumer while the least favored or pcd 732e desirable payment accounts are pushed or placed at the very end of a list for display on the portable computing device Accounts presented at the end of the list may require additional scrolling effort for the consumer to reach by utilizing a series of sequenced displays as understood by one of ordinary skill in the art.
For example, if the consumer had a merchant branded gift card account, a merchant branded credit card account, and a non-merchant pcd 732e credit card account, then the system may allow the merchant to present the merchant branded gift card account first, the merchant branded credit card account second, and the non-merchant branded credit card account third—assuming that this ranking or listing of payment accounts favors the merchant pcd 732e which the least expensive is displayed first while the most expensive is displayed last relative to the transaction costs which may be assessed against the merchant.
This ranking of payment accounts may also prove beneficial for those non-merchant branded credit card accounts, such as rewards cards, which may have a significantly higher amount of fees that are charged to the merchant and may be used by the consumer. The system via the tender steering module may also support an intelligence in which payment accounts are presented in a sequence on the PCD that is determined by the actual purchase price for the transaction.
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For example, the consumer may have a debit card payment account as well as a pcd 732e card account. Certain fixed transactional fees may apply to the debit card account while no fees or a percentage of fees may apply to the gift card account.
If transaction fees which apply pcd 732e the debit card account far exceed the percentage of fees corresponding to the pcd 732e card, then the system via the tender steering module may select the gift card as the first option to present to the consumer for completing a transaction for the benefit of the merchant. In addition to presenting or sequencing the payment accounts for display on a portable computing device in such a fashion so that the most desirable or favored by the merchant are presented first to the consumer while the least favored or less desirable payment accounts are pushed or placed at the very end of a list, the system via the tender steering module will enable merchants to promote or supply additional offers in order to steer or influence consumers towards a payment account desired by a merchant.
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For example, the merchant pcd 732e provide personalized and unique offers to consumers on the PCD after the system via the tender steering module looks-up the consumer's history with the merchant pcd 732e on other transactions. These personalized and unique offers may be presented adjacent to the payment accounts on the PCD desired by the merchant for the consumer to use to complete a transaction.
A merchant may present a reward, like a certain percentage discount, on the PCD in order to persuade a consumer to use a payment account desired by the merchant. These personalized and unique offers may be random in nature or presented in sequences depending on the frequency of use or frequency of transactions completed by the consumer with a merchant. pcd 732e
The merchant may set up certain business rules with the tender steering module in order to control the development of the personalized and unique offers presented to each consumer on his or her PCD As another example, the merchant may set up a rule in the tender steering module that reviews the loyalty program participation of the consumer and what the history of the consumer has been in the program. This allows the merchant to influence the payment account selection habits of the consumer since the consumer will pcd 732e want to use a payment account that generally may provide occasional discounts beyond other forms of payment accounts.Pcd e Driver.
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