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Device for Allocating a Payment Authorization Request to a Payment Processor

  • US 20090157519A1
  • Filed: 01/13/2009
  • Published: 06/18/2009
  • Est. Priority Date: 11/05/1999
  • Status: Active Grant
First Claim
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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.

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