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System and method for processing financial transactions using multi-payment preferences

  • US 20060178986A1
  • Filed: 04/04/2003
  • Published: 08/10/2006
  • Est. Priority Date: 02/17/2000
  • Status: Abandoned Application
First Claim
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1. A method for determining a method of payment, said method comprising:

  • a customer transceiver associated with identification data for at least one customer;

    a merchant transceiver associated with a point-of-sale terminal;

    a host computer comprising a customer profile associated with the identification data;

    a step comprising said merchant transceiver reading said identification data from said customer transceiver and transmitting said identification data to said point-of-sale terminal;

    a step comprising transmitting said identification data to said host computer; and

    a step comprising said host computer determining a preferred method of payment based upon the customer profile.

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