Patent ID: 7809617
Filing Date: 2010-10-05
Classification: G06Q

Abstract:
1. A method, comprising: executing computer implemented instructions performed by one or more computers associated with a payment service provider for: receiving, by the payment service provider, a payment request for the payment service provider to pay a payee on behalf of a payor; assembling, by the payment service provider based at least in part on information included in the received payment request, a plurality of debit options available for fulfilling the received payment request, wherein each of the plurality of debit options is associated with a respective risk processing method, and wherein a first of the plurality of debit options is associated with a different risk processing method than a second of the plurality of debit options; evaluating, by the payment service provider, each of the plurality of debit options based on at least one predetermined factor associated with each of the plurality of debit options; selecting, by the payment service provider, one of the plurality of debit options to be used when processing the payment request, wherein the selection is based at least in part on the evaluation of each of the plurality of debit options; and processing, by the payment service provider, the payment request using the selected one debit option and the respective risk processing method associated with the one debit option.