MERCHANT INCENTIVE PROGRAMS ON PROXY CARD SYSTEMS

摘要

Selecting an alternate payment instrument after a proxy card payment transaction comprises associating the proxy card account comprising with a plurality of financial accounts that can be selected for funding financial transactions; associating a merchant account with a merchant, the merchant account comprising an incentive program; associating the user proxy card account with the incentive program; receiving a payment authorization request; accessing the user proxy card account based on the identification of the user proxy card account; determining that the user proxy card account is associated with the merchant's incentive program; when the item information in the transaction data meets at least one rule in the set of rules for obtaining the incentive, applying the incentive to the user proxy account associated with the merchant's incentive program; and communicating a notification of the applied incentive to a user associated with the user proxy card account.