Multiple merchant payment processor platform apparatuses, methods and systems
First Claim
1. A computer-implemented multiple merchant payment processor method, comprising:
- receiving, using one or more data processors, a payment request associated with a site of a merchant;
determining whether the payment request includes a previously assigned merchant identification (“
ID”
);
in response to the determining that the payment request includes the previously assigned merchant ID being positive, formulating a payment transaction authorization request in a HTTP(S) POST message based on the previously assigned merchant ID and the payment request;
transmitting the payment transaction authorization request via a payment network in a form of a HTTP(S) POST message for processing of the payment transaction authorization request;
in response to the determining that the payment request fails to include the previously assigned merchant ID being negative, generating, using the one or more data processors, one or more site-level profile profiles for the site of the merchant, each of the one or more site-level profile profiles being associated with a merchant identification (“
MID”
) of the site of the merchant, wherein the one or more site-level profiles are based on an identification key included in the payment request, wherein the one or more site-level profile profiles are associated with one account processor and one or more transaction preference rules for selecting the one account processor for processing the payment request, wherein the one or more data processors provide a graphical user interface (GUI) having user interface elements for modifying and configuring the one or more transaction preference rules for the one account processor, wherein the one or more data processors further, as part of the GUI;
send a payment checkout widget for the site of the merchant;
upon registration information from the merchant, generate an application programming interface (API) key and a shared secret key for the merchant, said API key and said shared secret key for invoking the payment checkout widget at the site of the merchant; and
associate the MID with each of the one or more site-level profile profiles;
processing, using the one or more data processors, information associated with the payment request according to one or more transaction preference rules to select the one account processor; and
sending, using the one or more data processors, a payment processing request based on the payment request to the selected one account processor, wherein the one or more data processors invoke a transaction UI based on the API key and the shared secret key in response to sending.
1 Assignment
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Accused Products
Abstract
The MULTIPLE MERCHANT PAYMENT PROCESSOR PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MID-PLATFORM”) enable merchants to customize the way payments made to them are processed. For example, a computer-implemented MID-Platform receives a payment request associated with a site (e.g., a website) and identifies a site profile associated with the site. The site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors. The MID-Platform processes information associated with the payment request according to one or more transaction preference rules to select one of the account processors. Then, the MID-Platform sends a payment processing request to the selected account processor.
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Citations
20 Claims
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1. A computer-implemented multiple merchant payment processor method, comprising:
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receiving, using one or more data processors, a payment request associated with a site of a merchant; determining whether the payment request includes a previously assigned merchant identification (“
ID”
);in response to the determining that the payment request includes the previously assigned merchant ID being positive, formulating a payment transaction authorization request in a HTTP(S) POST message based on the previously assigned merchant ID and the payment request; transmitting the payment transaction authorization request via a payment network in a form of a HTTP(S) POST message for processing of the payment transaction authorization request; in response to the determining that the payment request fails to include the previously assigned merchant ID being negative, generating, using the one or more data processors, one or more site-level profile profiles for the site of the merchant, each of the one or more site-level profile profiles being associated with a merchant identification (“
MID”
) of the site of the merchant, wherein the one or more site-level profiles are based on an identification key included in the payment request, wherein the one or more site-level profile profiles are associated with one account processor and one or more transaction preference rules for selecting the one account processor for processing the payment request, wherein the one or more data processors provide a graphical user interface (GUI) having user interface elements for modifying and configuring the one or more transaction preference rules for the one account processor, wherein the one or more data processors further, as part of the GUI;send a payment checkout widget for the site of the merchant; upon registration information from the merchant, generate an application programming interface (API) key and a shared secret key for the merchant, said API key and said shared secret key for invoking the payment checkout widget at the site of the merchant; and associate the MID with each of the one or more site-level profile profiles; processing, using the one or more data processors, information associated with the payment request according to one or more transaction preference rules to select the one account processor; and sending, using the one or more data processors, a payment processing request based on the payment request to the selected one account processor, wherein the one or more data processors invoke a transaction UI based on the API key and the shared secret key in response to sending. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A computer-implemented multiple merchant payment processor system, comprising:
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a memory; one or more data processors disposed in communication with said memory, and configured to process a plurality of processing instructions stored in said memory, wherein the one or more data processors process instructions to; receive receiving a payment request associated with a site of a merchant, determine determining whether the payment request includes a previously assigned merchant identification (“
ID”
);in response to the determine determining that the payment request includes the previously assigned merchant ID being positive, formulate formulating a payment transaction authorization request in a HTTP(S) POST message based on the previously assigned merchant ID and the payment request; transmit transmitting the payment transaction authorization request via a payment network in a form of a HTTP(S) POST message for processing of the payment transaction authorization request; in response to the determine determining that the payment request fails to include the previously assigned merchant ID being negative, generate generating one or more site-level profile profiles for the site of the merchant, each of the one or more site-level profile profiles being associated with a merchant identification (“
MID”
) of the site of the merchant, wherein the one or more site-level profiles are based on an identification key included in the payment request, wherein the one or more site-level profile profiles are associated with one account processor and one or more transaction preference rules for selecting the one account processor for processing the payment request, wherein the one or more data processors provide a graphical user interface (GUI) having user interface elements for modifying and configuring the one or more transaction preference rules for the one account processor, wherein the one or more data processors further, as part of the GUI;send sending a payment checkout widget for the site of the merchant; upon registration information from the merchant, generate generating an application programming interface (API) key and a shared secret key for the merchant, said API key and said shared secret key for invoking the payment checkout widget at the site of the merchant; and associate associating the MID with each of the one or more site-level profile profiles; process processing information associated with the payment request according to one or more transaction preference rules to select the one account processor; and send sending a payment processing request based on the payment request to the selected one account processor, wherein the one or more data processors invoke a transaction UI based on the API key and the shared secret key in response to sending. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A non-transitory merchant payment processor-readable non-transitory medium storing instructions executable by a data processor to:
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receive receiving a payment request associated with a site of a merchant, determine determining whether the payment request includes a previously assigned merchant identification (“
ID”
);in response to the determine determining that the payment request includes the previously assigned merchant ID being positive, formulate formulating a payment transaction authorization request in a HTTP(S) POST message based on the previously assigned merchant ID and the payment request; transmit transmitting the payment transaction authorization request via a payment network in a HTTP(S) POST message for processing of the payment transaction authorization request; in response to the determine determining that the payment request fails to include the previously assigned merchant ID being negative, generate generating one or more site-level profile profiles for the site of the merchant, each of the one or more site-level profile profiles being associated with a merchant identification (“
MID”
) of the site of the merchant, wherein the one or more site-level profiles are based on an identification key included in the payment request, wherein the one or more site-level profile profiles are associated with one account processors and one or more transaction preference rules for selecting the one account processor for processing the payment request, wherein the one or more data processors provide a graphical user interface (GUI) having user interface elements for modifying and configuring the one or more transaction preference rules for the one account processor, wherein the one or more data processors further, as part of the GUI;send sending a payment checkout widget for the site of the merchant; upon registration information from the merchant, generate generating an application programming interface (API) key and a shared secret key for the merchant, said API key and said shared secret key for invoking the payment checkout widget at the site of the merchant; and associate associating the MID with each of the one or more site-level profile profiles; process processing information associated with the payment request according to one or more transaction preference rules to select one of the account processors; and invoke invoking a transaction UI based on the API key and the shared secret key to send a payment processing request to the selected account processor. - View Dependent Claims (18, 19, 20)
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Specification