Patent ID: 9576282
Date: 2017-02-21
CPC Classifications: G06Q

Claim:
1. A point-of-sale (“POS”) system for recovering at least a portion of an interchange fee imposed by a credit card issuer on a merchant, the interchange fee imposed on a customer credit card transaction executed using a payment instrument at a location of the merchant, the POS system comprising: a first POS terminal at the location of the merchant; a second POS terminal at the location of the merchant; an issuer transaction processing system; a POS controller in electronic communication with the first POS terminal and with the second POS terminal; and a payment instrument comprising: wherein: the POS controller comprises a non-transitory computer usable medium having computer readable program code embodied therein, the computer readable program code when executed by a processor on a computer system, perform a computer-implemented method for dynamically activating the mobile application of the payment instrument and controlling the display of the payment instrument during a plurality of time-sensitive windows; the first POS terminal is configured to capture a first customer credit card transaction executed using the payment instrument at the location; the POS controller is configured to: if the current sales volume at the merchant location associated with the first MCC exceeds a target sales volume, the POS controller is configured to: if the current sales volume at the merchant location associated with the first MCC is less than or equal to the target sales volume, the POS controller is configured to: the second POS terminal is configured to capture a second credit card transaction executed using the payment instrument; the POS controller is further configured to: if the current sales volume at the merchant location associated with the second MCC exceeds the target sales volume, the POS controller is configured to: if the current sales volume at the merchant location associated with the second MCC is less than or equal to the target sales volume, the POS controller is configured to: