Patent ID: 7725394

Claim:
A method for conducting a business transaction using a payment processing network, the method comprising: sending an authorization request message including an authorization request to an issuer via the payment processing network, wherein the authorization request message originates from a business consumer purchasing goods or services from an oligopolistic business entity, wherein the oligopolistic business entity is associated with one or more acquirers and wherein the oligopolistic business entity operates within a target industry vertical, wherein over a majority of business consumers within the target industry vertical spend over 50% of a vertical-specific budget at fewer than ten vertical-specific suppliers; and receiving an authorization response message indicating that the authorization request is approved or not approved; wherein an incentive associated with the business transaction is provided via the payment processing network to the oligopolistic business entity or the business consumer for conducting the business transaction, wherein the incentive would not be available in a transaction between a non-oligopolistic business entity and the business consumer.