SYSTEMS AND METHODS FOR CONSUMER STEERING BASED ON REAL-TIME TRANSACTION COST INFORMATION

摘要

A computing device for consumer steering during a commercial transaction comprises a communication element, a memory element, and a processing element. The communication element communicates with a client computing device. The memory element stores a plurality of software components. The processing element executes software components including a cost analysis component for receiving original payment type information from a consumer and computing a cost score associated with the original payment type, a reward engine for determining a reward associated with an alternative payment type, an accept payment component for receiving information indicating either the original payment type or the alternative payment type, and a checkout component for transferring a receipt to the consumer and visually presenting the lost reward to the consumer if the original payment type was received or transferring the reward to the consumer if the alternative payment type was received.