Systems and methods for point of interaction based policy routing of transactions
AssigneeLead Core Fund, L.L.C.
InventorsFred Bishop, Robert E. Morgan, Hitesh Seth
Life of this patent
Estimating the term…
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.
Claims19
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.
A method, comprising:
- 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.
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:
- 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.
Dependencies are inferred from the claim text.