Patent ID: 9424562
Filing Date: 2016-08-23
CPC Classification: G06Q

Claim Text:
1. A computer circuit arrangement that provides access to disparate autonomous payment networks respectively having network-specific payment processing protocols, on behalf of users including buyers and sellers, the sellers providing goods or services to buyers paying for the goods or services, the circuit arrangement implemented by a banking institution and comprising: a point-of-sale interface circuit configured and arranged to receive, for each transaction, electronic point-of-sale transaction data from a remote point-of-sale credit card reading device; a data-storage circuit configured and arranged to store profile data for each of the users; a payment network interface circuit configured and arranged to provide access to a plurality of payment network interface modules, each payment network interface module configured and arranged to electronically communicate with a different associated payment network using respective, and different protocols; and a software-programmed control processor circuit configured and arranged to, for each transaction and the point-of-sale transaction data received therefor,