Patent ID: 8024268

Claim:
One or more computer-readable storage media having computer-readable instructions therein that, when executed by a computing device, cause the computing device to perform acts comprising: receiving, by the computing device, interchange categories, their pricing, and one or more of their parameters, their parameters including one or more of: a merchant's area of business; information received for a transaction; how the information is received for the transaction; or a type of card used in the transaction; receiving, by the computing device, transaction information for a particular merchant, the transaction information indicating one or more current transactions having been assigned a first interchange category of the received interchange categories; determining, by the computing device, that a second interchange category having a lower cost than the first interchange category and also of the received interchange categories is potentially assignable to the one or more current transactions or future transactions similar to the one or more current transactions by making a change in information that is provided by the particular merchant to determine one or more of the parameters; determining, by the computing device, a potential fee savings based on the received interchange categories and their pricing if the one or more current transactions assigned the first interchange category were instead assigned the second interchange category; and providing, by the computing device, the change in information to a client.