# US 2019/0318367 A1 · Merchant services contract-analysis and sales-facilitation system, software, components, and methods > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0318367 A1 - Document ID: US20190318367A1 - Status: Published application - Kind: A1 - Application number: 16/432,717 - Filed: 2019-06-05 - Published: 2019-10-17 - Earliest claimed: 2018-01-10 - Assignees: Rose Through Concrete, LLC - Applicants: Rose Through Concrete, LLC - Inventors: Stephen J. Myles - Web page: https://patentgrep.com/patent/US20190318367A1 ## CPC - G06Q 30/0201: Market modelling; Market analysis; Collecting market data - G06Q 10/0637: Strategic management or analysis, e.g. setting a goal or target of an organisation; Planning actions based on goals; Analysis or evaluation of effectiveness of goals - G06Q 30/0281: {Customer communication at a business location, e.g. providing product or service information, consulting} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Systems, processes, and methods for analyzing merchant services provider data and for facilitating sales and customer relationships between a merchant and merchant services provider. Such features are incorporated into software, which may downloaded and accessed on a computing device, such as a smartphone or tablet, which allows a user to extract data from merchant services providers to compute metrics, statistics, and other useful information. The software also allows a user to retrieve information about merchant services providers and enables a user and a prospective merchant services provider to interact electronically or in-person. ## Claims ### Claim 1 A method for facilitating relationships between merchants and merchant services providers comprising the steps of: a) receiving information about a current relationship between a merchant and a current merchant services provider; b) characterizing said current relationship, wherein said step of characterizing said current relationship comprises computing a current effective rate from said information about said current relationship; c) receiving information about a potential relationship between said merchant and a potential merchant services provider; d) characterizing said potential relationship between said merchant and said potential merchant services provider, wherein said step of characterizing said potential relationship comprises computing a potential effective rate from said information about said potential relationship; e) comparing said current relationship and said potential relationship, wherein said step of comparing said current relationship and said potential relationship comprises comparing said current effective rate and said potential effective rate; and f) if said potential effective rate is lower than said current effective rate, providing a recommendation to said merchant to contact said potential merchant services provider and facilitating an initial communication between said merchant and said potential merchant services provider. ### Claim 2 (depends on 1) The method of claim 1, wherein said information received about said current relationship comprises at least one term of a contract between said merchant and said current merchant services provider, wherein said at least one term comprises of one of the group consisting of processing fees charged, processing rates charged, service fees charged, and interchange fees charged, and combinations thereof. ### Claim 3 (depends on 1) The method of claim 1, wherein said information received about said current relationship comprises transactional use data from at least one statement issued by said current merchant services provider to said merchant, wherein said transactional use data comprises one of the group consisting of payment transactions by payment card type, third-party transactions, chargebacks, reversals, adjustments, fees charged, amount funded, average ticket by payment card type, and pending charges, and combinations thereof. ### Claim 4 (depends on 3) The method of claim 3, wherein said step of characterizing said current relationship comprises computing at least one use metric from said transactional use data, wherein said at least one use metric comprises one of the group consisting of an effective rate, average ticket amount by payment card type, total amount of fees charged, and total amount of pending charges and fees, and combinations thereof. ### Claim 5 (depends on 1) The method of claim 1, wherein said information received about said potential relationship comprises at least one term of a potential contract between said merchant and said potential merchant services provider, wherein said at least one term comprises of one of the group consisting of processing fees, processing rates, service fees, and interchange fees, and combinations thereof. ### Claim 6 A computer implemented method for operating one or more servers to establish a communication with a merchant comprising: a) maintaining a merchant services provider database in a memory resource associated with said servers, wherein said merchant services provider database comprises a plurality of entries, each said entry corresponding to one of a plurality of potential merchant services providers and comprising: (i) an identification of said corresponding potential merchant services provider, (ii) an identification of a representative of said corresponding potential merchant services provider, (iii) an identification of a geographic area associated with said corresponding potential merchant services provider, and (iv) at least one term of a contract offered by said corresponding potential merchant services provider; b) receiving from a merchant application executing on a computing device of said merchant: (i) information about a relationship between said merchant and a current merchant services provider, and (ii) a location associated with said merchant; c) computing a current effective rate from said current merchant services provider relationship information; d) generating a candidate list of potential merchant services providers from said merchant services provider database; e) providing data to said merchant application to generate a presentation on a display of said merchant computing device, said presentation comprising said candidate list; f) receiving from said merchant application a request to establish a communication with a selected potential merchant services provider from said candidate list; g) providing data to a merchant services provider application executing on a computing device of said representative of said selected potential merchant services provider to generate a presentation on a display of said representative computing device, said presentation comprising said request to establish said communication with said merchant; and h) receiving data from said merchant services provider application comprising an acceptance of said request to establish said communication with said merchant. ### Claim 7 (depends on 6) The method of claim 6, wherein said step of receiving from said merchant application said information about said current merchant services provider relationship comprises receiving at least one image based on data determined by said merchant application executing to interface with a camera resource of said merchant computing device. ### Claim 8 (depends on 7) The method of claim 7, wherein said at least one image corresponds to a statement issued by said current merchant services provider, further comprising the step of processing said at least one image to extract transactional use data therefrom. ### Claim 9 (depends on 8) The method of claim 8, wherein said transactional use data comprises one of the group consisting of payment transactions by payment card type, third-party transactions, chargebacks, reversals, adjustments, fees charged, amount funded, average ticket by payment card type, and pending charges, and combinations thereof. ### Claim 10 (depends on 9) The method of claim 9, wherein said current effective rate is computed from said transactional use data. ### Claim 11 (depends on 6) The method of claim 6, wherein said step of receiving from said merchant application said information about said current merchant services provider relationship comprises receiving at least one contract term of a contract between said merchant and said current merchant services provider based on a form generated by said merchant application. ### Claim 12 (depends on 11) The method of claim 11, wherein said contract term comprises one of the group consisting of processing fees charged, processing rates charged, service fees charged, and interchange fees charged, and combinations thereof. ### Claim 13 (depends on 11) The method of claim 11, wherein said current effective rate is computed from said at least one contract term. ### Claim 14 (depends on 6) The method of claim 6, wherein said step of receiving from said merchant application said location information comprises receiving the current location of said merchant computing device, based on data determined by the merchant application executing to interface with a Global Positioning System resource of said merchant computing device. ### Claim 15 (depends on 6) The method of claim 6, wherein said step of receiving from said merchant application said location information comprises receiving said location based on a form generated by said merchant application. ### Claim 16 (depends on 6) The method of claim 6, wherein said step of receiving from said merchant application said location information comprises receiving a location radius based on a form generated by said merchant application. ### Claim 17 (depends on 6) The method of claim 6, wherein said step of generating said candidate list comprises the steps of: (i) determining which of said potential merchant services providers have a geographic area which encompasses said location associated with said merchant; (ii) computing a potential effective rate for at least one of said potential merchant services providers; and (iii) determining which of said potential merchant services providers have a potential effective rate which is less than said current effective rate. ### Claim 18 (depends on 17) The method of claim 17, wherein said step of computing said potential effective rate comprises the steps of: (i) processing at least one image received by said merchant application, said at least one image based on data determined by said merchant application executing to interface with a camera resource of said merchant computing device, to extract transactional use data; and (ii) computing said potential effective rate from said transactional use data and said at least one term of said contract offered by said potential merchant services provider. ### Claim 19 (depends on 6) The method of claim 6, further comprising the steps of: i) providing data to said merchant application to generate a presentation on a display of said merchant computing device, said presentation comprising a list of times that said communication may be established; j) receiving from said merchant application a selected communication time; k) providing data to said merchant services provider application to generate a presentation on a display of said representative computing device, said presentation comprising said selected communication time; l) receiving from said merchant services provider application an acceptance of said selected communication time; and m) providing data to said merchant application confirming said selected communication time. ### Claim 20 (depends on 19) The method of claim 19, further comprising the steps of: n) providing data to said merchant application to create an entry in a calendar application executing on said merchant computing device; and o) providing data to said merchant services provider application to create an entry in a calendar application executing on said representative computing device. ### Claim 21 (depends on 19) The method of claim 19, further comprising the steps of: n) providing data to said merchant application to generate a presentation on a display of said merchant computing device, said display comprising a chat box; and o) providing data to said merchant services provider to generate a presentation on a display of said representative computing device, said display comprising a chat box. ### Claim 22 (depends on 21) The method of claim 21, further comprising the steps of: p) receiving data from said merchant application and providing said data to said merchant services provider application, said data comprising a message from said merchant to said merchant services provider representative; and q) receiving data from said merchant services provider application and providing said data to said merchant application, said data comprising a message from said merchant services provider representative to said merchant. ### Claim 23 A merchant services provider contract monitoring service system, wherein said system comprises one or more processors coupled to a non-transient storage media storing instructions for causing one or more processors to: a) receiving current relationship data from a merchant application executing on a computing device of a merchant, said data comprising information about a relationship between said merchant and a current merchant services provider; b) analyzing said current relationship data received by said merchant application to compute a current effective rate, wherein said current effective rate comprises a ratio of the dollar amount assessed by said current merchant services provider to the dollar amount of transactions submitted for processing; c) simulating a potential relationship between said merchant and a potential merchant services provider, said step of simulating said potential relationship comprising computing a potential effective rate from said current relationship data and one or more terms of a contract offered by said potential merchant services provider; d) comparing said current effective rate and said potential effective rate; and e) if said potential effective rate is less than said current effective rate, establishing a communication between said merchant computing device and a representative computing device of a representative of said potential merchant services provider. ### Claim 24 (depends on 23) The system of claim 23, wherein said step of receiving current relationship data comprises: (i) receiving at least one image based on data determined by said merchant application executing to interface with a camera resource of said merchant computing device; and (ii) processing said at least one image to extract transactional use data therefrom. ### Claim 25 (depends on 23) The system of claim 23, wherein said step of establishing said communication comprises the steps of: (i) first, providing data to said merchant application, said data comprising said potential effective rate and an identification of said potential merchant services provider; (ii) then, receiving data from said merchant application, said data comprising a request to establish said communication between said merchant and said potential merchant services provider; (iii) then, providing data to a merchant services provider application executing on a computing device of a representative of said potential merchant services provider, said data comprising a request to accept said request to establish said communication; (iv) then, receiving data from said merchant services provider application, said data comprising an acceptance of said request to accept said request to establish said communication; and (v) then, providing data to said merchant application, said data comprising an acceptance of said request to establish said communication. ### Claim 26 (depends on 23) The system of claim 23, wherein said step of establishing said communication comprises receiving from and providing data to each said merchant application and said merchant services provider application, said data comprising (i) messages received by said merchant application executing to interface with a merchant user input of said merchant computing device and (ii) messages received by said merchant services provider application executing to interface with a merchant services provider user input of said representative computing device.