Methods and systems for dynamic routing of electronic transaction messages while maintaining token compatibility
US11836715B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 27, 2019 |
| Grant date | Dec 5, 2023 |
| Priority date | — |
| Expiry date | Jan 26, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/3676
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems and methods are disclosed for dynamic routing of electronic transactions while maintaining token compatibility. One method comprises receiving a request message from a merchant system and determining a final destination payment processor based on a routing directive. Upon determining the final destination payment processor, the request message may be updated by updating a message destination to the final destination payment processor and replacing an initial token with a token that is compatible with the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.