Patent ID: 9280764
Filing Date: 2016-03-08
CPC Classification: G06Q

Claim Text:
1. A method comprising: selecting, by a device, a gateway amongst a plurality of gateways; sending a request, from the device to the selected gateway over an open network, to access a service, wherein the device is configured to communicate with the gateway before communicating with an acquirer, wherein the request is sent to a service system provided by a server computer, wherein the service system is one of a plurality of service systems communicatively coupled to the gateway, wherein the service system is communicatively coupled to a payment processing system, wherein the service system is configured to provide one or more of services related to an account held by a user, and wherein the service system further comprises an application tier and is configured to communicate with a shared database tier that is being shared amongst the plurality of service systems, wherein the application tier contains logic used to provide one or more services related to the account held by the user, and wherein the shared database tier stores information used to provide the one or more services related to the account held by the user; and receiving, at the device, a response from the service system.