US 12,271,872 B2
System and method for payment tender steering
Dennis A. Kettler, Lebanon, OH (US); and Scott Wayne DeAngelo, Mason, OH (US)
Assigned to Worldpay, LLC, Symmes Township, OH (US)
Filed by Worldpay, LLC, Symmes Township, OH (US)
Filed on Sep. 29, 2022, as Appl. No. 17/936,392.
Application 17/936,392 is a continuation of application No. 17/554,127, filed on Dec. 17, 2021, granted, now 12,056,673.
Application 17/554,127 is a continuation of application No. 16/696,501, filed on Nov. 26, 2019, granted, now 11,232,418, issued on Jan. 25, 2022.
Application 16/696,501 is a continuation of application No. 14/987,130, filed on Jan. 4, 2016, granted, now 10,528,926, issued on Jan. 7, 2020.
Prior Publication US 2023/0015328 A1, Jan. 19, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/10 (2012.01); G06Q 20/22 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/102 (2013.01) [G06Q 20/227 (2013.01); G06Q 20/363 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method for electronic transaction steering, the method comprising:
receiving, at an electronic transaction system, an electronic payment transaction facilitated by a user and initiated at a user device associated with a merchant, wherein the electronic payment transaction comprises user information associated with the user;
identifying, using the electronic transaction system and via accessing a consumer profile account, one or more electronic payment methods associated with the user and usable to complete the electronic payment transaction, wherein each of the one or more electronic payment methods comprise account information;
determining, using the electronic transaction system, an automatically selected electronic payment method of the one or more electronic payment methods based on a maximum benefit to the merchant and the account information;
steering, using the electronic transaction system, the user to the automatically selected electronic payment method by pre-populating checkout information with the automatically selected electronic payment method; and
completing, using the electronic transaction system, the electronic payment transaction with the automatically selected electronic payment method based on a user confirmation.