SYSTEMS AND METHODS FOR SPLIT TENDER TRANSACTION PROCESSING
First Claim
Patent Images
1. A method, comprising:
- receiving, at a payment directory computer, a payment request for a transaction;
determining, by the payment directory computer, at least two transaction accounts for funding at least a portion of the transaction;
determining, by the payment directory computer, a first payment system and a second payment system for processing at least a portion of the transaction;
facilitating, by the payment directory computer, a first authorization request to the first payment system; and
,facilitating, by the payment directory computer, a second authorization request to the second payment system.
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Abstract
Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.
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Citations
20 Claims
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1. A method, comprising:
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receiving, at a payment directory computer, a payment request for a transaction; determining, by the payment directory computer, at least two transaction accounts for funding at least a portion of the transaction; determining, by the payment directory computer, a first payment system and a second payment system for processing at least a portion of the transaction; facilitating, by the payment directory computer, a first authorization request to the first payment system; and
,facilitating, by the payment directory computer, a second authorization request to the second payment system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. The method of clam 9, wherein at least one of the first payment response is received from the first payment system or the second payment response is received from the second payment system.
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12. A method, comprising:
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transmitting, by a point of sale (POS) device, a payment request for a transaction to a payment system directory; and
,receiving, by the POS device, a first authorization response and a second authorization response from, respectively a first payment system and a second payment system, wherein the transaction is to be funded by at least two transaction accounts. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A tangible machine-readable medium having stored thereon computer-executable instructions that, if executed by a computing device, cause the computing device to perform a method comprising:
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receiving, at a payment directory computer, a payment request for a transaction; determining, by the payment directory computer, at least two transaction accounts for funding the transaction; determining, by the payment directory computer, a first payment system and a second payment system for processing at least a portion of the transaction; facilitating, by the payment directory computer, a first authorization request to the first payment system; and
,facilitating, by the payment directory computer, a second authorization request to the second payment system.
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Specification