Patent ID: 8706620
Filing Date: 2014-04-22
Classification: G06Q

Abstract:
1. A method comprising: receiving at a computer apparatus of an issuer an authorization request message comprising a first merchant identifier, an account identifier associated with an account, and a first transaction amount for a first transaction conducted with a first merchant; determining, by the computer apparatus, if the account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction; and determining if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount; wherein if there is not sufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then automatically applying non-specific currency in the account to a remainder of the first transaction amount; wherein the computer apparatus of the issuer associates the merchant specific currency with the account, and the authorization request message is sent through a payment processing network that has no knowledge of the merchant specific currency during processing of the transaction.