Systems and methods for processing a payment authorization request over disparate payment networks

An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a computer-based system configured to facilitate a transaction, cause said computer-based system to perform operations comprising:

• querying, by said computer-based system, a payment system directory,
• wherein said payment system directory communicates with said computer-based system, and wherein said payment system directory comprises information regarding a plurality of candidate payment systems, and wherein said payment system directory locates a candidate payment system for processing at least a portion of said transaction, wherein said candidate payment system receives payment information related to said transaction for developing a payment authorization, and wherein said payment information includes a proxy account number;
• transmitting, by said computer-based system, a payment authorization request related to said transaction to said candidate payment system;
• and
• receiving, by said computer-based system, said payment authorization from said candidate payment system.

A system comprising:

• a processor configured to facilitate a transaction,
• a tangible, non-transitory memory configured to communicate with the processor,
• said tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor to perform operations comprising:
• querying, by said processor, a payment system directory,
• wherein said payment system directory communicates with said processor, and wherein said payment system directory comprises information regarding a plurality of candidate payment systems, and wherein said payment system directory locates a candidate payment system for processing at least a portion of said transaction, wherein said candidate payment system receives payment information related to said transaction for developing a payment authorization, and wherein said payment information includes a proxy account number;
• transmitting, by said processor, a payment authorization request related to said transaction to said candidate payment system;
• and
• receiving, by said processor, said payment authorization from said candidate payment system.