Abstract: A system and method is provided for role-based management of commercial transaction data for a multi-point merchant by storing data identifying a plurality of store locations of the multi-point merchant. The stored data is associated with an account of the multi-point merchant. A transaction record is received from each of a plurality of devices. Each of the devices is associated with a corresponding store location of the multi-point merchant. Each transaction record is stored in a location of the account using the stored data that identifies the plurality of store locations of the multi-point merchant. Multiple pre-determined roles are further associated with each account. Upon receiving a request from an operator of the multi-point merchant to view account information, a particular pre-determined role is identified for that operator. The operator is selectively allowed to access data from one or more of the transaction records based on the pre-determined role.

Abstract: A system and method is provided for dynamically configuring a merchant account for commercial transactions by first receiving a transaction record from a payment input device that is associated with a merchant. The transaction record includes payment information and a first set of merchant account information. The first set of merchant account information is analyzed to determine whether it identifies a preferred merchant account. The payment information is then selectively forwarded to one of a plurality of payment processors based, at least in part, on the analysis.

Abstract: A system and method is provided for utilizing global information determined from commercial transactions by first storing data identifying a plurality of store locations of the multi-point merchant. The stored data is associated with an account of the multi-point merchant. A transaction record is received from each of a plurality of devices. Each of the devices is associated with a corresponding store location of the multi-point merchant. The information provided with each transaction record is processed in order to extract information that is non-specific to at least each of a corresponding transaction, a user of the corresponding transaction, and a merchant of the transaction. The processed information is then aggregated based on one or more global criteria so that reports may be generated based on the processed information and the one or more global criteria.