SYSTEMS AND METHODS FOR POINT OF INTERACTION BASED POLICY ROUTING OF TRANSACTIONS
First Claim
Patent Images
1. A method, comprising:
- receiving, from a requesting device and at a payment directory computer, a payment request for a transaction;
determining, by the payment directory computer and based upon the requesting device, a payment system for processing at least a portion of the transaction; and
,facilitating, by the payment directory computer, an authorization request to the 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
19 Claims
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1. A method, comprising:
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receiving, from a requesting device and at a payment directory computer, a payment request for a transaction; determining, by the payment directory computer and based upon the requesting device, a payment system for processing at least a portion of the transaction; and
,facilitating, by the payment directory computer, an authorization request to the payment system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 17, 18)
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15. A method, comprising:
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receiving, at a point of service (POS) device, a transaction request; transmitting a payment request for the transaction to a payment directory, wherein the payment directory determines a payment system based upon the requesting device, for processing at least a portion of the transaction; and
,receiving an authorization response based upon an authorization request, wherein the authorization request is at least one of transmitted by a payment directory or transmitted by the POS device. - View Dependent Claims (16)
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19. 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, from a requesting device and at a payment directory computer, a payment request for a transaction; determining, by the payment directory computer and based upon the requesting device, a payment system for processing at least a portion of the transaction; and
,facilitating, by the payment directory computer, an authorization request to the payment system.
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Specification