299-316 08(Soon Ae Chun)(E).fm

When a customer owns multiple credit cards, the selection of a credit card for a purchase payment is rarely done systematically. Furthermore, the customer has no online options to pay a high cost item with multiple cards. This paper presents a flexible Payment Recommender (PR) system that helps the customer to make a decision on identifying a group of credit cards, called Virtual Card, which provides customers with the flexibility of customizing their payments by splitting a payment over multiple cards. This intelligent PR system uses a divisible card payment decision model based on fuzzy membership functions of the customer’s weighted preference parameters and suggests the best card or best combination of cards to the customer. The PR system uses the Virtual Card Manager (VCM) that modifies and extends the existing single credit card-based payment infrastructure, to support processing multiple card-based flexible payments. A prototype PR system was implemented, that can be installed on the customer’s PC or mobile device, to manage multiple credit cards and personal preferences, and to support making payment decisions. A user acceptability study of the proposed PR system is also reported.