SYSTEMS AND METHODS FOR PROCESSING A TRANSACTION ACCORDING TO AN ALLOWANCE
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, a first payment system for processing at least a portion of the transaction;
transmitting, by the payment directory computer, a first authorization request related to at least a portion of the transaction to the first payment system;
receiving, at the payment directory computer and from the first payment system, a first authorization response associated with the first authorization request; and
,in response to the first authorization response indicating at least one of a decline or a partial authorization, the payment directory computer determining a supplemental account for funding the transaction.
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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, a first payment system for processing at least a portion of the transaction; transmitting, by the payment directory computer, a first authorization request related to at least a portion of the transaction to the first payment system; receiving, at the payment directory computer and from the first payment system, a first authorization response associated with the first authorization request; and
,in response to the first authorization response indicating at least one of a decline or a partial authorization, the payment directory computer determining a supplemental account for funding the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method, comprising:
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determining, by a point of service (POS) device querying a payment directory, a first payment system for processing at least a portion of a transaction; receiving, at the POS device, a first authorization response associated with a first authorization request from the first payment system, wherein the first authorization request is associated with at least a portion of the transaction, and wherein at least one of the POS device transmitted the first authorization request to the payment system and the payment directory transmitted the first authorization request to the payment system; and
,in response to the first authorization response indicating at least one of a decline or a partial authorization, the POS device determining a supplemental account for funding the transaction. - View Dependent Claims (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, a first payment system for processing at least a portion of the transaction; transmitting, by the payment directory computer, a first authorization request related to at least a portion of the transaction to the first payment system; receiving, at the payment directory computer and from the first payment system, a first authorization response associated with the first authorization request; and
,in response to the first authorization response indicating at least one of a decline or a partial authorization, the payment directory computer determining a supplemental account for funding the transaction; determining a supplemental payment system based upon the supplemental account; transmitting a supplemental authorization request related to at least a portion of the transaction from to the supplemental payment system; receiving a supplemental authorization response associated with the supplemental authorization request from the supplemental payment system; and
,transmitting a payment response based upon the payment request and at least one of the first authorization response or the supplemental authorization response.
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Specification