DEBIT NETWORK ROUTING SELECTION USING A SCANNABLE CODE
First Claim
11. A computer-implemented method, which is implemented by a computing system that includes one or more processors and one or more hardware storage device having stored computer-executable instructions which are operable by the one or more processors to cause the computing system to process a payment using a selected debit network according to information embedded in a scannable code, the method comprising:
- the computer system receiving input indicating that a user has initiated a debit payment for one or more items sold by a provider of goods or services;
the computer system identifying a plurality of debit networks that can be used to process the initiated debit payment, the debit network comprising a debit payment processing entity that processes the initiated debit payment;
the computer system automatically selecting a debit network from the plurality of debit networks to be used to process the initiated debit payment based on a determination that the selected debit network will provide a reward to the user for use of the debit network;
the processor generating a scannable code with an identification of the selected debit network and one or more portions of the user'"'"'s debit account information embedded in the scannable code; and
sending a payment transaction to a payment processing system for the selected debit network to process the initiated debit payment and which results in the selected debit network providing the reward to the user.
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Abstract
Embodiments are directed to selecting a debit network using a quick response (QR) code and to processing a payment using a debit network selected according to information embedded in a QR code. In one scenario, a mobile computer system receives input indicating that a user has initiated a payment for various items sold by a provider of goods or services. The mobile computer system determines that the user or the provider has specified a preference indicating which debit network is to be used to process the payment. The mobile computer system then generates a QR code with the debit network selection and portions of the user'"'"'s debit account information embedded in the QR code, and sends the generated QR code to a payment processing system. The payment processing system may be cloud-based, or may be run locally at the provider'"'"'s point of sale.
12 Citations
19 Claims
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11. A computer-implemented method, which is implemented by a computing system that includes one or more processors and one or more hardware storage device having stored computer-executable instructions which are operable by the one or more processors to cause the computing system to process a payment using a selected debit network according to information embedded in a scannable code, the method comprising:
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the computer system receiving input indicating that a user has initiated a debit payment for one or more items sold by a provider of goods or services; the computer system identifying a plurality of debit networks that can be used to process the initiated debit payment, the debit network comprising a debit payment processing entity that processes the initiated debit payment; the computer system automatically selecting a debit network from the plurality of debit networks to be used to process the initiated debit payment based on a determination that the selected debit network will provide a reward to the user for use of the debit network; the processor generating a scannable code with an identification of the selected debit network and one or more portions of the user'"'"'s debit account information embedded in the scannable code; and sending a payment transaction to a payment processing system for the selected debit network to process the initiated debit payment and which results in the selected debit network providing the reward to the user. - View Dependent Claims (12)
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13. A computer system comprising:
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one or more processors; system memory; one or more computer-readable media having stored thereon executable instructions that are executable by the one or more processors to configure the computer system to process a payment using a debit network selected according to information embedded in a scannable code, the computer-executable instructions comprising computer-executable instructions that are executable to configure the computer system to perform at least the following; receive a scannable code with one or more portions of embedded payment information, the embedded payment information including at least the following;
a total payment amount that is to be paid by a user, debit account information for the user, and an indication of which debit network is to be used to process the payment, the debit network comprising a debit payment processing entity that processes the initiated debit payment, wherein the indication of which debit network to be used includes (1) a user preferred network and (2) a provider preferred network, such that the scannable code includes both of (1) the user preferred network and (2) the provider preferred network;determine which debit network is to be used to process the payment based on the indication provided in the embedded payment information in the received scannable code; send the payment amount and the user'"'"'s debit account information to the determined debit network; and receive an indication that the payment was processed by the determined debit network. - View Dependent Claims (1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 14, 15, 16, 17, 18, 19)
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16-1. The computer system of claim 13, wherein the debit network is selected based on time of day at which the payment is initiated.
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17-2. The computer system of claim 13, wherein the debit network is selected automatically based on one or more criteria.
Specification