Systems and methods for processing transactions using multiple budgets

US8073772B2 · kind B2 · utility

Assignee

• American Express Travel Related Services Company, Inc. · US

Inventors

• Fred Bishop · Glendale, US
• Robert E. Morgan · Cullman, US
• Hitesh Seth · Plainsboro, US

Key dates

• Filing date: Jun 5, 2009
• Grant date: Dec 6, 2011
• Expiry date: May 19, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.