Methods and systems for merchant selection of network routing
A system and method for operating a payment terminal, the method including receiving a list of eligible applications from a payment device; generating a candidate list including applications from the list of eligible applications received that are supported by the payment terminal; determining a reduced candidate list, the reduced candidate list including applications from the candidate list that match merchant-specified network preference criteria; determining a final selection of an application based on the reduced candidate list; and providing an indication of the final selection application.
1. A method for operating a payment terminal, the method comprising:
receiving a list of eligible applications from a payment device;
generating a candidate list, the candidate list including applications from the list of eligible applications received from the payment device that are supported by the payment terminal;
determining a reduced candidate list, the reduced candidate list including applications from the candidate list that match merchant-specified network preference criteria, the merchant-specified network preference criteria being maintained by the payment terminal;
determining a final selection of an application based on the reduced candidate list; and
providing an indication of the final selection application.
2. The method of claim 1 , wherein the list of eligible applications comprises sets of card data.
3. The method of claim 1 , further comprising using the indication of the final selection application to process a payment transaction associated with the payment device and the payment terminal.
4. The method of claim 1 , wherein the determining of the reduced candidate list comprises:
determining, based on an examination of all of the applications in the candidate list, which applications from the candidate list include an indicator denoting the application is subject to non-exclusive network routing criteria; and
determining whether the applications from the candidate list including the indicator match the merchant-specified network preference criteria.
5. The method of claim 4 , wherein the non-exclusive network routing criteria includes at least one of an industry regulation and a governing entity regulation.
6. The method of claim 1 , wherein the merchant-specified network preference criteria comprises an ordered listing indicative of routing preferences of at least one of a merchant and a merchant acquirer.
7. The method of claim 6 , wherein the determining of the reduced candidate list is further based on the ordered listing of applications preferred by the at least one of a merchant and a merchant acquirer.
8. The method of claim 1 , further comprising transmitting data to the payment device to cause an updating of a parameter associated with at least one of the eligible applications on the payment device.
9. The method of claim 8 , wherein the parameter comprises an indicator denoting whether the application is subject to non-exclusive network routing criteria.
10. The method of claim 8 , wherein the at least one of the eligible applications is at least one of a dormant application, a blocked application, and an inactive application.
11. A system comprising:
a payment device reader for reading data from and writing data to a payment device, including receiving a list of eligible applications from the payment device;
a memory storing executable program instructions; and
a processor coupled to the memory, the process to execute the executable program instructions to:
generate a candidate list, the candidate list including applications from the list of eligible applications received from the payment device that are supported by the system;
determine a reduced candidate list, the reduced candidate list including applications from the candidate list that match merchant-specified network preference criteria, the merchant-specified network preference criteria being stored in the memory;
determine a final selection of an application based on the reduced candidate list; and
provide an indication of the final selection application.
12. The system of claim 11 , wherein the list of eligible applications comprises sets of card data.
13. The system of claim 11 , further comprising the processor using the indication of the final selection application to process a payment transaction associated with the payment device.
14. The system of claim 11 , wherein the determining of the reduced candidate list comprises the processor:
determining, based on an examination of all of the applications in the candidate list, which applications from the candidate list include an indicator denoting the application is subject to non-exclusive network routing criteria; and
determining whether the applications from the candidate list including the indicator match the merchant-specified network preference criteria.
15. The system of claim 14 , wherein the non-exclusive network routing criteria includes at least one of an industry regulation and a governing entity regulation.
16. The system of claim 11 , wherein the merchant-specified network preference criteria comprises an ordered listing indicative of routing preferences of at least one of a merchant and a merchant acquirer.
17. The system of claim 16 , wherein the determining of the reduced candidate list is further based on the ordered listing of applications preferred by the at least one of a merchant and a merchant acquirer.
18. The system of claim 1 , further comprising the payment device reader writing data to the payment device to cause an updating of a parameter associated with at least one of the eligible applications on the payment device.
19. The system of claim 18 , wherein the parameter comprises an indicator denoting whether the application is subject to non-exclusive network routing criteria.
20. The system of claim 18 , wherein the at least one of the eligible applications is at least one of a dormant application, a blocked application, and an inactive application.
21. A method for operating a terminal, the method comprising:
transmitting information related to a payment device to an issuer of the payment device, the transmitted information not being indicative of at least one payment application associated with the payment device and at least one payment transaction associated with the payment device;
receiving update data from the issuer in response to, at least in part, the transmitted information;
transmitting the update data to the payment device to cause an updating of a parameter on the payment device.
22. The method of claim 21 , wherein the information transmitted to the issuer includes information identifying an application on the payment device.
23. The method of claim 21 , wherein the parameter comprises an indicator denoting whether the application is subject to non-exclusive network routing criteria.
24. The method of claim 23 , wherein the non-exclusive network routing criteria includes at least one of an industry regulation and a governing entity regulation.