Systems for Locating a Payment System Utilizing a Point of Sale Device
First Claim
1. A point of sale (POS) device configured to:
- query a payment system directory to locate a candidate payment system for processing at least a portion of a 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.
3 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.
442 Citations
15 Claims
-
1. A point of sale (POS) device configured to:
-
query a payment system directory to locate a candidate payment system for processing at least a portion of a 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, 12)
-
-
11. A payment system directory configured to:
-
locate a candidate payment system 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. - View Dependent Claims (13, 14)
-
-
15. A point of sale (POS) device configured to:
-
receive payment information related to said transaction at said POS device in response to being identified as a candidate payment system by a payment system directory; and
,transmit a payment authorization to said POS device in response to receiving a payment authorization request related to said transaction from said POS device.
-
Specification