Systems and methods for point of interaction based policy routing of transactions
First Claim
Patent Images
1. A method, comprising:
- receiving, from a requesting device and at a payment directory computer, a payment request for at least a portion of a transaction and a requesting transaction device attribute, wherein the payment request includes an authorization request;
determining, by the payment directory computer, a payment system for processing the at least a portion of the transaction by accessing a payment directory based upon the requesting transaction device attribute received from the requesting device, wherein the payment directory computer includes a directory of payment systems; and
transmitting, by the payment directory computer, the 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.
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Citations
19 Claims
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1. A method, comprising:
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receiving, from a requesting device and at a payment directory computer, a payment request for at least a portion of a transaction and a requesting transaction device attribute, wherein the payment request includes an authorization request; determining, by the payment directory computer, a payment system for processing the at least a portion of the transaction by accessing a payment directory based upon the requesting transaction device attribute received from the requesting device, wherein the payment directory computer includes a directory of payment systems; and transmitting, by the payment directory computer, the authorization request to the payment system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method, comprising:
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receiving, at a point of service (POS) device and from a requesting transaction device, a request for a transaction; transmitting, by the POS device and to a payment directory, a payment request for at least a portion of the transaction and a requesting transaction device attribute, wherein the payment request includes an authorization request, wherein the payment directory determines a payment system based upon the requesting transaction device attribute, for processing the at least a portion of the transaction, and wherein the payment directory computer includes a directory of payment systems; and
,receiving, by the POS device, an authorization response based upon the authorization request. - View Dependent Claims (16, 17, 18)
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19. A tangible machine-readable medium having stored thereon computer-executable instructions that, if executed by a payment directory computer, cause the payment directory computer to perform operations comprising:
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receiving, from a requesting device and at the payment directory computer, a payment request for at least a portion of a transaction and a requesting transaction device attribute, wherein the payment request includes an authorization request; determining, by the payment directory computer, a payment system for processing the at least a portion of the transaction by accessing a payment directory based upon the requesting transaction device attribute received from the requesting device, wherein the payment directory computer includes a directory of payment systems; and transmitting by the payment directory computer, the authorization request to the payment system.
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Specification