Systems and methods for locating a payment system utilizing a wireless point of sale device
First Claim
1. A computer-implemented method to facilitate a purchasing transaction at a point of sale device, comprising the steps of:
- receiving payment information related to a transaction at said point of sale device;
locating a candidate payment system for processing at least a portion of said transaction by querying a gateway service to locate said candidate payment system, wherein said gateway service reviews a payment system directory to determine said candidate payment system based upon a transaction account issuer and at least one of;
payment information and transaction amount, and wherein said gateway service transmits said candidate payment system to said point of sale device;
transmitting a payment authorization request related to said transaction from said point of sale device to said candidate payment system; and
,receiving payment authorization from said candidate payment system.
5 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods to facilitate commercial transactions conducted at geographically remote locations is disclosed. A wireless point of sale (POS) device may be configured 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. The invention also includes inserting third party account information into an encrypted portion of the payment request, so the payment request appears as a normal request to the issuing bank, but the third party account information may be used by the third party to bill the customer.
118 Citations
16 Claims
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1. A computer-implemented method to facilitate a purchasing transaction at a point of sale device, comprising the steps of:
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receiving payment information related to a transaction at said point of sale device; locating a candidate payment system for processing at least a portion of said transaction by querying a gateway service to locate said candidate payment system, wherein said gateway service reviews a payment system directory to determine said candidate payment system based upon a transaction account issuer and at least one of;
payment information and transaction amount, and wherein said gateway service transmits said candidate payment system to said point of sale device;transmitting a payment authorization request related to said transaction from said point of sale device to said candidate payment system; and
,receiving payment authorization from said candidate payment system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 16)
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8. A machine-readable medium having stored thereon a plurality of instructions, said plurality of instructions when executed by a processor, cause said processor to perform a method to facilitate a purchasing transaction at a point of sale device, said method comprising the steps of:
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receiving payment information related to a transaction at said point of sale device; locating a candidate payment system for processing at least a portion of said transaction by querying a gateway service to locate said candidate payment system, wherein said gateway service reviews a payment system directory to determine said candidate payment system based upon a transaction account issuer and at least one of;
payment information and transaction amount, and wherein said gateway service transmits said candidate payment system to said point of sale device;transmitting a payment authorization request related to at least a portion of said transaction from said point of sale device to said candidate payment system; and
,receiving payment authorization from said candidate payment system.
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9. A point of sale device configured to receive payment information related to a transaction, locate a candidate payment system for processing at least a portion of said transaction by querying a gateway service to locate said candidate payment system, wherein said gateway service reviews a payment system directory to determine said candidate payment system based upon a transaction account issuer and at least one of:
- payment information and transaction amount, and wherein said gateway service transmits said candidate payment system to said point of sale device;
transmit a payment authorization request related to at least a portion of said transaction from said point of sale device to said candidate payment system, and receive payment authorization from said candidate payment system. - View Dependent Claims (10, 11)
- payment information and transaction amount, and wherein said gateway service transmits said candidate payment system to said point of sale device;
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12. A gateway configured to receive a payment authorization request related to at least a portion of a transaction from a point of sale device, locate a candidate payment system for processing at least a portion of said transaction, review a payment system directory to determine said candidate payment system based upon a transaction account issuer and at least one of:
- payment information and transaction amount, and transmit said request to said candidate payment system to facilitate said point of sale device receiving payment authorization from said candidate payment system.
- View Dependent Claims (13, 14, 15)
Specification