Abstract: A method and apparatus for providing an automatic adjustment solution including both upward and downward adjustments that can be applied to both cash and credit, includes determining, via a processor, a transaction amount and tender type. The processor determines a plurality of parameters using at least the tender type and receives data relating to the plurality of parameters. The processor is further configured to calculate the automatic adjustment based on the plurality of parameters, apply the automatic adjustment to the transaction amount, and process a transaction based on the automatic adjustment applied.

Abstract: A method and apparatus for pre-certifying a chip card transaction, includes receiving, by a server, a request for processing the chip card transaction from a first device. The server authenticates the first device and one or more devices involved in the transaction for processing the transaction. If the first device and all of the one or more devices are authenticated, the transaction is processed and data relating to the processed transaction is transmitted to the first device.