Invention Grant
- Patent Title: Fallback authorization routing
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Application No.: US17580084Application Date: 2022-01-20
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Publication No.: US11948147B2Publication Date: 2024-04-02
- Inventor: Robert Dean McLaughlin , Balakrishnan Kannikeswaran , Biju Abraham , Roshin Joseph
- Applicant: Visa International Service Association
- Applicant Address: US CA San Francisco
- Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
- Current Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
- Current Assignee Address: US CA San Francisco
- Agency: Kilpatrick Townsend & Stockton LLP
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; G06Q40/02 ; G06Q40/04 ; H04L5/20 ; H04W12/06

Abstract:
Techniques are provided for fallback authorization routing. A merchant processor may receive authorization requests from one or more merchant systems. These authorization requests may be to authorize a transaction. The merchant processor may transmit these authorization requests over a first communication channel to an acquirer processor, which may then forward the requests to a payment network. If the merchant processor determines that the acquirer processor is not receiving the authorization requests, or is otherwise unavailable, the merchant processor may, as a fallback, transmit the authorization requests directly to the payment network through a second communication channel, thereby bypassing the acquirer processor. When the merchant processor receives some indication that the acquirer processor is available to process authorization requests, new authorization requests can be transmitted to the acquirer processor via the first communication channel.
Public/Granted literature
- US20220147991A1 FALLBACK AUTHORIZATION ROUTING Public/Granted day:2022-05-12
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