Patent ID: 11880837
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A computer program product comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:
receive a transaction request initiated from within a virtual environment by a user operating a Virtual Reality (VR) device, the transaction request associated with an account identifier of the user and transaction data;
determine a virtual location from which the transaction request was initiated from a plurality of different virtual locations within the virtual environment;
determine a merchant from a plurality of merchants within the virtual environment based on the virtual location of the user within the virtual environment from which the transaction request was initiated and a mapping table comprising mappings between merchant identifiers and virtual coordinates or boundaries within visual environment, each merchant identifier in the mapping table corresponding to a payment gateway configuration of a plurality of payment gateway configurations;
generate a transaction message based on the merchant, the account identifier of the user, and the transaction data;
select a payment gateway configuration from the plurality of payment gateway configurations based on the merchant identifier; and
initiate a payment transaction based on the transaction message and the payment gateway configuration.