Multiple Merchant Payment Processor Platform Apparatuses, Methods and Systems
First Claim
1. A computer-implemented multiple merchant payment processor method, comprising:
- receiving, using one or more data processors, a payment request associated with a site,identifying, using the one or more data processors, a site profile associated with the site, wherein the site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors;
processing, using the one or more data processors, information associated with the payment request according to one or more transaction preference rules to select one of the account processors;
sending, using the one or more data processors, a payment processing request to the selected account processor.
1 Assignment
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Accused Products
Abstract
The MULTIPLE MERCHANT PAYMENT PROCESSOR PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MID-PLATFORM”) enable merchants to customize the way payments made to them are processed. For example, a computer-implemented MID-Platform receives a payment request associated with a site (e.g., a website) and identifies a site profile associated with the site. The site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors. The MID-Platform processes information associated with the payment request according to one or more transaction preference rules to select one of the account processors. Then, the MID-Platform sends a payment processing request to the selected account processor.
70 Citations
20 Claims
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1. A computer-implemented multiple merchant payment processor method, comprising:
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receiving, using one or more data processors, a payment request associated with a site, identifying, using the one or more data processors, a site profile associated with the site, wherein the site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors; processing, using the one or more data processors, information associated with the payment request according to one or more transaction preference rules to select one of the account processors; sending, using the one or more data processors, a payment processing request to the selected account processor. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer-implemented multiple merchant payment processor method, comprising:
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receiving, using one or more data processors, a merchant profile identification; retrieving, using the one or more data processors, based on at least the merchant profile identification, a merchant profile from one or more merchant profiles; receiving, using the one or more data processors, a site profile identification; retrieving, using the one or more data processors, based on at least the site profile identification, a site profile from one or more site profiles associated with the merchant profile; receiving, using the one or more data processors, an enrollment request for an account processor and one or more transaction preference rules for the account processor; generating, using the one or more data processors, an account processor profile based on at least the enrollment request and the one or more transaction preference rules, wherein the account processor profile includes information associated with the one or more transaction preference rules, wherein the information defines characteristics of transactions handled by the account processor; associating, using the one or more data processors, the account processor profile with the site profile; and associating, using the one or more data processors, a second account processor profile with the site profile. - View Dependent Claims (13, 14, 15, 16)
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17. A computer-implemented multiple merchant payment processor system, comprising:
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a memory; one or more data processors disposed in communication with said memory, and configured to process a plurality of processing instructions stored in said memory, wherein the one or more data processors process instructions to; receive a payment request associated with a site, identify a site profile associated with the site, wherein the site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors; process information associated with the payment request according to one or more transaction preference rules to select one of the account processors; and send a payment processing request to the selected account processor.
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18. A merchant payment processor-readable non-transitory medium storing instructions executable by a data processor to:
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receive a payment request associated with a site, identify a site profile associated with the site, wherein the site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors; process information associated with the payment request according to one or more transaction preference rules to select one of the account processors; and send a payment processing request to the selected account processor.
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19. A computer-implemented multiple merchant payment processor system, comprising:
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a memory; one or more data processors disposed in communication with said memory, and configured to process a plurality of processing instructions stored in said memory, wherein the one or more data processors process instructions to; receive a merchant profile identification; retrieve based on at least the merchant profile identification, a merchant profile from one or more merchant profiles; receive a site profile identification; retrieve based on at least the site profile identification, a site profile from one or more site profiles associated with the merchant profile; receive an enrollment request for an account processor and one or more transaction preference rules for the account processor; generate an account processor profile based on at least the enrollment request and the one or more transaction preference rules, wherein the account processor profile includes information associated with the one or more transaction preference rules, wherein the information defines characteristics of transactions handled by the account processor; associate the account processor profile with the site profile; and associate a second account processor profile with the site profile.
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20. A merchant payment processor-readable non-transitory medium storing instructions executable by a data processor to:
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receive a merchant profile identification; retrieve based on at least the merchant profile identification, a merchant profile from one or more merchant profiles; receive a site profile identification; retrieve based on at least the site profile identification, a site profile from one or more site profiles associated with the merchant profile; receive an enrollment request for an account processor and one or more transaction preference rules for the account processor; generate an account processor profile based on at least the enrollment request and the one or more transaction preference rules, wherein the account processor profile includes information associated with the one or more transaction preference rules, wherein the information defines characteristics of transactions handled by the account processor; associate the account processor profile with the site profile; and associate a second account processor profile with the site profile.
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Specification