Matthew D. Murphy

POS TERMINAL(S) WITH FREE FORM REWARDS ARCHITECTURE

Linking an advantage communication system to a pre-existing product

Point-of-sale (“POS”) system integrating merchant-based rewards

CRYPTO-CURRENCY REWARDS NETWORK

Alternative processing network for custom rewards transactions

POS terminal(s) with free form rewards architecture

Custom rewards protocol and system architecture

Integrating custom benefits into an in-use communication transmission exchange

Linking an advantage communication system to a pre-existing product

Remote disabling of target point-of-sale (“POS”) terminals

Method and apparatus for providing a balance-verified ACH identifier

Method and apparatus for providing a balance-verified transaction identifier

LOCATION BASED TRANSACTION LIABILITY ALLOCATION

PROOF-OF-VERIFICATION NETWORK

Merchant category code (“MCC”) based acceptance cost recovery

TRANSACTION COST MIRROR

Surcharge violation registry

SURCHARGE AUDITING

TRANSACTION COST RECOVERY FOR FUNDS TRANSFER

SURCHARGE COMPLIANCE REGISTRY

SURCHARGE VIOLATION REGISTRY

Surcharge auditing

Volume based transaction cost recovery

TRANSACTION COST MIRROR

TRANSACTION COST RECOVERY COMPLIANCE CALCULATOR

Low value based acceptance cost recovery

DYNAMIC NOTIFICATION OF TRANSACTION COST RECOVERY

Merchant category code (“MCC”) based acceptance cost recovery

TEMPORAL BASED TRANSACTION COST RECOVERY

Geography based transaction cost recovery