SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS USING MULTIPLE BUDGETS
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 account to at least partially fund the transaction, based upon the payment request and budget information associated with the account;
determining, by the payment directory computer, 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.
215 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 account to at least partially fund the transaction, based upon the payment request and budget information associated with the account; determining, by the payment directory computer, 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, 15, 16, 18, 19)
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17. 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; determining, by at least one of the POS device and the payment system directory, that at least a portion of the transaction should be funded by a particular budget; and
,receiving at least one of an identification of a payment system from the payment system directory or an authorization response from a payment system, wherein the authorization response is based upon an authorization request sent to the payment system by the payment system directory.
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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 account to at least partially fund the transaction, based upon the payment request and budget information associated with the account; determining, by the payment directory computer, 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