# US 11,308,459 B2 · Processing cross-border transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,308,459 B2 - Document ID: US11308459B2 - Status: Granted - Kind: B2 - Application number: 16/565,905 - Filed: 2019-09-10 - Published: 2020-01-02 - Granted: 2022-04-19 - Earliest claimed: 2013-06-18 - Assignees: Paypal, Inc. - Applicants: PayPal, Inc. - Inventors: Anup Tikku - Web page: https://patentgrep.com/patent/US11308459B2 ## CPC - G06Q 20/027: {involving a payment switch or gateway} - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method and system for facilitating processing of cross-border transactions are discussed. The method includes accessing transaction terms offered by third-party financial service providers, the transaction terms offered for processing of transactions, the transaction terms obtained from remotely located computing devices associated with the third-party financial service providers. Responsive to receiving cross-border financial transaction information, the method includes comparing information on the transaction terms to determine possible third-party financial service providers available to process a cross-border financial transaction using a funding source from funding sources. The method includes selecting, based on the comparing, a particular third-party financial service provider from the possible third-party financial service providers for processing the cross-border financial transaction. The method includes submitting, via a protocol of the particular third-party financial service provider, information related to the cross-border financial transaction and the funding source to the particular third-party financial service provider. ## Claims ### Claim 1 A computing system for processing cross-border transactions, comprising: a non-transitory memory storing instructions; and one or more hardware processors configured to execute the instructions to cause the computing system to perform operations comprising: accessing transaction terms offered by a plurality of third-party financial service providers, the transaction terms offered for processing of transactions, the transaction terms obtained from a plurality of respective remotely located computing devices associated with the plurality of third-party financial service providers; in response to receiving cross-border financial transaction information associated with a cross-border financial transaction, comparing information on the transaction terms; determining, from the plurality of third-party financial service providers, one or more possible third-party financial service providers that are available to process the cross-border financial transaction using any one funding source from a plurality of funding sources associated with a user account; selecting, based on the comparing, a particular funding source for use in the cross border financial transaction and a particular third-party financial service provider from the one or more possible third-party financial service providers for processing the cross-border financial transaction using the particular funding source; obtaining funding source information associated with the funding source; and submitting, via an electronic communication protocol used by the particular third-party financial service provider, the cross-border financial transaction information and the funding source information to the particular third-party financial service provider. ### Claim 2 (depends on 1) The computing system of claim 1, wherein the selecting is further based on optimizing processing of a plurality of transactions that includes the cross-border financial transaction. ### Claim 3 (depends on 1) The computing system of claim 1, further comprising: one or more storage components accessible by the one or more hardware processors and adapted to store the transaction terms. ### Claim 4 (depends on 1) The computing system of claim 1, wherein the transaction terms comprise at least one of first terms for financial processing of a settlement service provider or second terms for financial processing of a receiving service provider. ### Claim 5 (depends on 1) The computing system of claim 1, wherein the selecting the particular third-party financial service provider is further based on respective geographical locations of each of the one or more possible third-party financial service providers. ### Claim 6 (depends on 5) The computing system of claim 5, wherein the selecting the particular third-party financial service provider is further based on comparing a region of one of the one or more possible third-party financial service providers and a region of a consumer associated with the cross-border financial transaction. ### Claim 7 (depends on 1) The computing system of claim 1, wherein the cross-border financial transaction comprises a point-of-sale (PoS) transaction. ### Claim 8 (depends on 1) The computing system of claim 1, wherein the transaction terms comprise one or more incentives for reducing or eliminating a corresponding cross-border transaction fee for the cross-border financial transaction. ### Claim 9 A method for facilitating processing of cross-border transactions, the method comprising: receiving, by one or more hardware processors, cross-border financial transaction information for a cross-border transaction; accessing, by the one or more hardware processors, transaction terms offered by a plurality of third-party service providers, the transaction terms offered for processing of transactions, the transaction terms obtained from each of a plurality of computing devices associated with the plurality of third-party service providers; comparing, by the one or more hardware processors, term information of the transaction terms; determining, by the one or more hardware processors and from the plurality of third-party service providers, one or more possible third-party service providers that are available to process the cross-border transaction using a funding source from a plurality of funding sources associated with a user account; selecting, by the one or more hardware processors and based on the comparing, a particular third-party service provider from the one or more possible third-party service providers for processing the cross-border transaction; obtaining, by the one or more hardware processors, funding source information associated with the funding source; and communicating, using an electronic communication protocol used by the particular third-party service provider, the cross-border transaction information and the funding source information to the particular third-party service provider. ### Claim 10 (depends on 9) The method of claim 9, wherein the transaction terms comprise at last of first terms for financial processing of a settlement service provider or second terms for financial processing of a receiving service provider. ### Claim 11 (depends on 9) The method of claim 9, wherein the selecting the particular third-party service provider is further based on respective geographical locations of each of the one or more possible third-party service providers. ### Claim 12 (depends on 9) The method of claim 9, wherein the selecting the particular third-party service provider is further based on comparing a region of one of the one or more possible third-party service providers and a region of a consumer associated with the cross-border transaction. ### Claim 13 (depends on 9) The method of claim 9, wherein the transaction terms comprise one or more incentives for reducing or eliminating a corresponding cross-border transaction fee for the cross-border transaction. ### Claim 14 (depends on 9) The method of claim 9, wherein the cross-border transaction comprises a point-of-sale (PoS) transaction. ### Claim 15 A non-transitory machine-readable medium having stored thereon, machine-readable instructions executable to cause a machine to perform operations comprising: receiving cross-border financial transaction information for a cross-border financial transaction; accessing transaction terms offered by a plurality of third-party providers, the transaction terms offered for processing of transactions, the transaction terms obtained from each of a plurality of computing devices associated with the plurality of third-party providers; comparing term information of the transaction terms; determining, from the plurality of third-party providers, one or more possible third-party providers that are available to process a cross-border financial transaction using a funding source from a plurality of funding sources associated with a user account; selecting, based on the comparing, a particular third-party provider from the one or more possible third-party providers for processing a cross-border financial transaction; obtaining funding source information associated with the funding source; and communicating, using a protocol used by the particular third-party provider, the cross-border financial transaction information and the funding source information to the particular third-party provider for processing of the cross-border financial transaction. ### Claim 16 (depends on 15) The non-transitory machine-readable medium of claim 15, wherein the transaction terms comprise at least one of first terms for financial processing of a settlement service provider or second terms for financial processing of a receiving service provider. ### Claim 17 (depends on 15) The non-transitory machine-readable medium of claim 15, wherein the selecting the particular third-party provider is further based on respective geographical locations of each of the one or more possible third-party providers. ### Claim 18 (depends on 15) The non-transitory machine-readable medium of claim 15, wherein the selecting the particular third-party provider is further based on comparing a region of one of the one or more possible third-party providers and a region of a consumer associated with the cross-border financial transaction. ### Claim 19 (depends on 15) The non-transitory machine-readable medium of claim 15, wherein the transaction terms comprise one or more incentives for reducing or eliminating a corresponding cross-border transaction fee for the cross-border financial transaction. ### Claim 20 (depends on 15) The non-transitory machine-readable medium of claim 15, wherein the selecting is further based on optimizing processing of a plurality of transactions that includes the cross-border financial transaction.