Direct connection systems and methods

US11017393B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Phil Kumnick · Phoenix, US
• Krishna Prasad Koganti · Cupertino, US
• Davidson Wuichet · San Mateo, US
• Lloyd Cato · Sunnyvale, US
• Jeffrey Kusheba · Litchfield Park, US

Key dates

• Filing date: Apr 20, 2018
• Grant date: May 25, 2021
• Expiry date: Feb 16, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0222
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.