Patent ID: 8875990
Filing Date: 2014-11-04
Classification: G06Q

Abstract:
1. A computer-implemented method, comprising: receiving, by a computer-based system for facilitating a transaction, an account identifier associated with a transaction account, wherein a proxy account number is associated with more than one transaction account, and wherein said proxy account number is authorized to be used for multiple transactions; acquiring, by said computer-based system, an allocation rule associated with said account identifier; querying, by said computer-based system, a payment system directory, wherein said payment system directory communicates with said computer-based system, and wherein said payment system directory comprises information regarding a plurality of candidate payment systems, and wherein said payment system directory locates a candidate payment system in accordance with said allocation rule for processing at least a first portion of said transaction, wherein said candidate payment system receives payment information related to said transaction for developing a payment authorization; transmitting, by said computer-based system, said payment authorization request related to said transaction to said candidate payment system; and receiving, by said computer-based system, said payment authorization from said candidate payment system.