Systems and Methods for Dynamic Account Routing
First Claim
1. A method for dynamic account routing, comprising:
- obtaining requested transaction data using an account servicing server system, where;
the requested transaction data identifies a consumer account and comprises transaction amount data; and
the account servicing server system comprises a processor and a memory;
identifying a set of routing rules based on the identified consumer account using the account servicing server system;
requesting funds from at least one funding source system based on the set of routing rules using the account servicing system, where the requested funds are based on the transaction amount data;
obtaining authorization data for the requested funds from the at least one funding source system using the account servicing server system;
generating transaction authorization data based on the obtained authorization data and the requested transaction data using the account servicing server system; and
providing the transaction authorization data using the account servicing server system.
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Accused Products
Abstract
Systems and methods for dynamic account routing in accordance with embodiments of the invention are disclosed. In one embodiment, a method for dynamic account routing includes obtaining requested transaction data using an account servicing server system where the requested transaction data identifies a consumer account and includes transaction amount data, identifying a set of routing rules based on the identified consumer account using the account servicing server system, requesting funds from at least one funding source system based on the set of routing rules using the account servicing system, where the requested funds are based on the transaction amount data, obtaining authorization data for the requested funds from the at least one funding source system using the account servicing server system, generating transaction authorization data based on the obtained authorization data and the requested transaction data using the account servicing server system, and providing the transaction authorization data.
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Citations
20 Claims
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1. A method for dynamic account routing, comprising:
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obtaining requested transaction data using an account servicing server system, where; the requested transaction data identifies a consumer account and comprises transaction amount data; and the account servicing server system comprises a processor and a memory; identifying a set of routing rules based on the identified consumer account using the account servicing server system; requesting funds from at least one funding source system based on the set of routing rules using the account servicing system, where the requested funds are based on the transaction amount data; obtaining authorization data for the requested funds from the at least one funding source system using the account servicing server system; generating transaction authorization data based on the obtained authorization data and the requested transaction data using the account servicing server system; and providing the transaction authorization data using the account servicing server system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. An account servicing server system, comprising:
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a processor; and a memory connected to the processor and storing an account servicing server application; wherein the account servicing server application directs the processor to; obtain requested transaction data where the requested transaction data identifies a consumer account and comprises transaction amount data; identify a set of routing rules based on the identified consumer account; request funds from at least one funding source system based on the set of routing rules, where the requested funds are based on the transaction amount data; obtaining authorization data for the requested funds from the at least one funding source system; generating transaction authorization data based on the obtained authorization data and the requested transaction data; and providing the transaction authorization data. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification