Using incentives at transaction devices

A method for using incentives at transaction devices, the method comprising:

• receiving, by one or more hardware processors, a transaction request associated with a transaction for processing by a transaction device;
• in response to receiving the transaction request, obtaining, by the one or more hardware processors, first incentive information associated a first payment instrument for the transaction, the first payment instrument associated with a customer selection;
• obtaining second incentive information associated with an incentive of a second payment instrument for the transaction;
• indicating, by the one or more hardware processors via a graphical user interface of a computing device, a change from using the first payment instrument to using the second payment instrument for the transaction based on the first incentive information and the second incentive information;
• determining, by the one or more hardware processors from a plurality of third-party financial service providers, a plurality of possible third-party financial service providers that are able to process the transaction using the second payment instrument;
• comparing, by the one or more hardware processors, the second incentive information to respective incentive terms offered for processing of transactions by each of the plurality of possible third-party financial service providers, the incentive terms accessed from a plurality of remotely located computing devices associated with the plurality of third-party financial service providers;
• selecting, by the one or more hardware processors based on the comparing, a particular third-party financial service provider from the plurality of possible third-party financial service providers for processing the transaction;
• obtaining, by the one or more hardware processors, funding source information associated with the second payment instrument via the transaction device;
• and
• submitting, by the one or more hardware processors, according to a protocol used by the particular third-party financial service provider, information related to the transaction and the funding source information to the particular third-party financial service provider for processing the transaction.

A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

• receiving a transaction request associated with a point of sale (POS) transaction for processing by a transaction device;
• in response to receiving the transaction request, obtaining incentive information associated with a plurality of incentives of a plurality of payment instruments usable for the POS transaction;
• determining, from a plurality of third-party financial service providers, a plurality of possible third-party financial service providers that are able to process the POS transaction using any one of the plurality of payment instruments;
• comparing the incentive information to respective incentive terms offered for processing of transactions by each of the plurality of possible third-party financial service providers, the incentive terms accessed from a plurality of remotely located computing devices associated with the plurality of third-party financial service providers;
• selecting, based on the comparing, a particular payment instrument from the plurality of payment instruments for use in the POS transaction and a particular third-party financial service provider from the plurality of possible third-party financial service providers for processing the POS transaction using the particular payment instrument;
• obtaining funding source information associated with the particular payment instrument via the transaction device;
• and
• submitting, according to a protocol used by the particular third-party financial service provider, information related to the POS transaction and the funding source information to the particular third-party financial service provider.