CIRCUIT-BASED TRANSACTION WITH SECURE-ACCESS PROCESSING

Abstract

In certain specific examples, aspects are directed to methods and systems involving selection and processing circuitry involving multiple transaction-directed user accounts registered by a service provider (e.g., banking or other type of financial institution) and with the selection and processing circuitry configured to enable selection of one of the accounts, based on an optimization algorithm which accounts for the rewards offerings. The recommended and/or selected one of the reward-type transaction accounts may realize a maximum level of value, according to user-specific criteria, for a particular prospective purchase transaction, and the transaction may be being carried out via a secure protocol that is to mitigate or prevent unauthorized use of the VTC circuit and that is in compliance with a secure protocol associated with the selected one of the reward-type transaction accounts.

CPC Classifications