SYSTEMS AND METHODS FOR ROUTING A TRANSACTION REQUEST TO A PAYMENT SYSTEM VIA A TRANSACTION DEVICE
First Claim
Patent Images
1. A method, comprising:
- receiving, at a point of service (POS) device, a purchase request from a purchaser transaction device;
creating, by the POS device, a transaction authorization request based upon the purchase request; and
,transmitting, by the POS device, the transaction authorization request, wherein the purchaser transaction device receives the transaction authorization request, wherein the purchaser transaction device is associated with a transaction account, wherein the purchaser transaction device transmits a payment authorization message based upon the transaction request to at least one of a payment directory and a payment system, wherein the POS device receives a transaction approval based upon the payment authorization message and, wherein a transaction is completed based upon the transaction approval.
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Accused Products
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.
163 Citations
20 Claims
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1. A method, comprising:
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receiving, at a point of service (POS) device, a purchase request from a purchaser transaction device; creating, by the POS device, a transaction authorization request based upon the purchase request; and
,transmitting, by the POS device, the transaction authorization request, wherein the purchaser transaction device receives the transaction authorization request, wherein the purchaser transaction device is associated with a transaction account, wherein the purchaser transaction device transmits a payment authorization message based upon the transaction request to at least one of a payment directory and a payment system, wherein the POS device receives a transaction approval based upon the payment authorization message and, wherein a transaction is completed based upon the transaction approval. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method, comprising:
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receiving, at a payment directory and from a purchaser transaction device, a payment request for a transaction, wherein the purchaser transaction device authorizes the payment request, wherein the payment request is received by the purchaser transaction device from a merchant system, wherein the merchant system generates a payment request in response to a purchase request from the purchaser transaction device; determining, by the payment directory, a first payment system for processing at least a portion of the transaction; transmitting, by the payment directory and to the payment system, an authorization request related to at least a portion of the transaction; receiving, at the payment directory and from the payment system, an authorization response associated with the first authorization request; and
,facilitating, by the payment directory, a payment approval to be received by at least one of the purchaser transaction device and the merchant system. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A tangible machine-readable medium having stored thereon computer-executable instructions that, if executed by a computing device, cause the computing device to perform a method comprising:
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receiving, at a point of service (POS) device, a purchase request from a purchaser transaction device; creating, by the POS device, a transaction authorization request based upon the purchase request; and
,transmitting, by the POS device, the transaction authorization request, wherein the purchaser transaction device receives the transaction authorization request, wherein the purchaser transaction device is associated with a transaction account, wherein the purchaser transaction device transmits a payment authorization message based upon the transaction request to at least one of a payment directory and a payment system, wherein the POS device receives a transaction approval based upon the payment authorization message and, wherein a transaction is completed based upon the transaction approval.
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Specification