Device for Allocating a Payment Authorization Request to a Payment Processor
First Claim
1. A point of sale (POS) device configured to:
- receive an account identifier;
acquire an allocation rule associated with said account identifier;
query a payment system directory to locate a candidate payment system in accordance with said allocation rule for processing at least a first portion of said transaction, wherein said candidate payment system receives payment information related to said transaction at said POS device;
transmit a payment authorization request related to said transaction from said POS device to said candidate payment system; and
,receive payment authorization from said candidate payment system.
5 Assignments
0 Petitions
Accused Products
Abstract
A point of sale (POS) device may be configured to locate a payment system and transmit a payment authorization request from a remote location to a payment system, either directly, or via a payment system directory and/or a SSL Gateway. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer. The payment system directory is further configured to determine one or more payment processors to direct a payment authorization request, such that a single transaction may me allocated among multiple payment processors for authorization. Moreover, the payment system directory is able to format alternative payment methods into a format that is able to be processed over existing payment networks.
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Citations
20 Claims
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1. A point of sale (POS) device configured to:
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receive an account identifier; acquire an allocation rule associated with said account identifier; query a payment system directory to locate a candidate payment system in accordance with said allocation rule for processing at least a first portion of said transaction, wherein said candidate payment system receives payment information related to said transaction at said POS device; transmit a payment authorization request related to said transaction from said POS device to said candidate payment system; and
,receive payment authorization from said candidate payment system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A payment directory configured to:
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receive an allocation rule associated with an account identifier; locate a candidate payment system in accordance with said allocation rule for processing at least a portion of a transaction in response to receiving a query from a point of sale (POS) device; receive a payment authorization request related to at least a portion of said transaction from said POS device; and
,transmit said payment authorization request to said candidate payment system to facilitate said POS device receiving payment authorization from said candidate payment system.
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Specification