Patent ID: 8849713

Claim:
A transaction terminal system comprising: one or more input peripheral devices configured to receive payment card details and transaction details; a hardware communications unit configured to connect to a remote host system, wherein the remote host system is configured to process a plurality of rate request message types; a processor; and memory having stored thereon instructions executable by the processor to perform operations comprising: causing a rate request message to be transmitted to the remote host system via the hardware communications unit, wherein the rate request message is usable by the remote host system to identify a currency conversion rate; and processing a response message received from the remote host system that includes the currency conversion rate; wherein the rate request message includes: a rate request message type indicator indicative of one of the plurality of rate request message types, and a currency conversion indicator in a currency conversion field; and wherein the rate request message type indicator is usable by the remote host system to interpret the currency conversion indicator in order to identify the currency conversion rate.