Patent ID: 8190514

Claim:
A method, comprising: receiving, at a payment directory computer, a payment request for a transaction; determining, by the payment directory computer, a first payment system for processing at least a portion of the transaction based on parameters in the payment request; transmitting, by the payment directory computer and to the first payment system, a first authorization request related to at least a portion of the transaction; receiving, at the payment directory computer and from the first payment system, a first authorization response associated with the first authorization request; in response to the first authorization response indicating at least one of a decline or a partial authorization, determining, by the payment directory computer, a second payment system for processing at least a portion of the transaction based on the parameters in the payment request; transmitting, from the payment directory computer and to the second payment system, a second authorization request related to at least a portion of the transaction; receiving, by the payment directory computer and from the second payment system, a second authorization response associated with the second authorization request; and transmitting, by the payment directory computer, a payment response based upon the payment request and at least one of the first authorization response or the second authorization response.