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Device for allocating a payment authorization request to a payment processor

  • US 8,646,685 B2
  • Filed: 01/13/2009
  • Issued: 02/11/2014
  • Est. Priority Date: 11/05/1999
  • Status: Active Grant
First Claim
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1. A point of sale (POS) device, comprising:

  • a processor; and

    a non-transitory computer-readable medium having instructions stored thereon that, in response to execution by the processor, cause the POS device to perform operations comprising;

    receiving a first account identifier associated with a first account issued by a first account issuer;

    acquiring an allocation rule associated with the first account identifier;

    querying a payment system directory to locate a candidate payment system in accordance with the allocation rule, wherein the candidate payment system is associated with a first payment processor and is configured to process at least a first portion of a transaction in response to receiving payment information related to the transaction;

    transmitting a first payment authorization request related to the first portion of the transaction to the candidate payment system;

    based upon the allocation rule, forming a second payment authorization request that corresponds to a second payment processor and that specifies a second account identifier associated with a second account issued by a second account issuer that is different from the first account issuer; and

    receiving a payment authorization from the candidate payment system.

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