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US 2019/0057437 A1Published application
Single order multiple payment processing
AssigneeVisa International Service Association
InventorLance Weber
Life of this patent
Estimating the term…
Abstract
A method and system for providing multiple authorization request messages for multiple products offered by respectively different merchants in a single order are disclosed. If one of the authorization request messages is declined, then an order interrupt message may be sent to the consumer. In order interrupt message may indicate that the single order is canceled, even though authorization request messages for the purchase of other products in the order are approved.
Claims20
A method comprising:
- receiving, at a server computer from a client computer over a network, a single order initiated by a consumer at a web site detached from payment processing capability, wherein the single order is associated with a plurality of products offered by multiple merchants through the web site, including one or more products offered by a first merchant;
- extracting, by the server computer from the single order, a first payment account identifier for a first funding source associated with the consumer, a first merchant identifier associated with the first merchant, and a first amount for a first payment transaction for only the one or more products offered by the first merchant;
- generating, by the server computer, a first authorization request message for the first payment transaction, the first authorization request message comprising the first amount and the first merchant identifier;
- transmitting, by the server computer, the first authorization request message to a first issuer computer associated with the first funding source, wherein the first issuer computer is configured to enable payment of the first amount to the first merchant directly from the first funding source associated with the consumer;
- and
- receiving, by the server computer, a first authorization response message from the first issuer computer, the first authorization response message indicating whether the first payment transaction is declined by the first issuer computer.
3 more elements
A server computer comprising:
- a processor;
- and
- a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, for implementing a method comprising:
- receiving, from a client computer over a network, a single order initiated by a consumer at a web site detached from payment processing capability, wherein the single order is associated with a plurality of products offered by multiple merchants through the web site, including one or more products offered by a first merchant;
- extracting, from the single order, a first payment account identifier for a first funding source associated with the consumer, a first merchant identifier associated with the first merchant, and a first amount for a first payment transaction for only the one or more products offered by the first merchant;
- generating a first authorization request message for the first payment transaction, the first authorization request message comprising the first amount and the first merchant identifier;
- transmitting the first authorization request message to a first issuer computer associated with the first funding source, wherein the first issuer computer is configured to enable payment of the first amount to the first merchant directly from the first funding source associated with the consumer;
- and
- receiving a first authorization response message from the first issuer computer, the first authorization response message indicating whether the first payment transaction is declined by the first issuer computer.
6 more elements
A method comprising:
- generating, by a computer, data representing a single order initiated by a consumer at a web site detached from payment processing capability, wherein the single order is associated with a plurality of products offered by multiple merchants through the web site, including one or more products offered by a first merchant;
- and
- transmitting, the data representing the single order to a server computer, wherein the server computer is configured to:
- extracting, from the single order, a first payment account identifier for a first funding source associated with the consumer, a first merchant identifier associated with the first merchant, and a first amount for a first payment transaction for only the one or more products offered by the first merchant;
- generating a first authorization request message for the first payment transaction, the first authorization request message comprising the first amount and the first merchant identifier;
- transmitting the first authorization request message to a first issuer computer associated with the first funding source, wherein the first issuer computer is configured to enable payment of the first amount to the first merchant directly from the first funding source associated with the consumer;
- and
- receiving a first authorization response message from the first issuer computer, the first authorization response message indicating whether the first payment transaction is declined by the first issuer computer.
5 more elements
Dependencies are inferred from the claim text.