Method and system for merchant processing of purchase card transactions with expanded card type acceptance

Abstract

Systems and methods for merchant processing of purchase card transactions with expanded card type acceptance are provided. For each merchant, a record is maintained of each card type that the merchant accepts, and merchant-specific transaction processing parameters are associated with each card type. During transaction processing, a card type for the transaction is identified from transaction data submitted by the merchant, and the merchant-specific transaction processing parameters associated with the identified card type are used to control transaction processing.

1 - 15 . (canceled)  
     
     
         16 . A method of processing purchase card transactions, comprising: 
 defining a plurality of card types, at least one of the plurality of card types corresponding to a purchase card and having associated therewith a plurality of merchant-specific sets of transaction processing parameters;    authorizing each of a plurality of merchants to accept one or more of the plurality of card types; and    upon a cardholder presenting to a merchant the purchase card corresponding to the at least one card type having associated therewith the plurality of merchant-specific sets of transaction processing parameters for a transaction, processing the transaction using one of the plurality of merchant-specific sets of transaction processing parameters that corresponds to the merchant.    
     
     
         17 . The method of  claim 16 , wherein a first one of the plurality of merchant-specific sets of transaction processing parameters includes a first routing destination parameter and a second one of the merchant-specific sets of transaction processing parameters includes a second routing destination parameter different from the first routing destination parameter.  
     
     
         18 . The method of  claim 17 , wherein: 
 the purchase card bears a first badge identifying a first card issuing entity and a second badge identifying a second card issuing entity;    the first routing destination parameter corresponds to a routing destination for a card product of the first card issuing entity; and    the second routing destination parameter corresponds to a routing destination for a card product of the second card issuing entity.    
     
     
         19 - 60 . (canceled)