Patents Examined by Namarata Boveja
  • Patent number: 11263628
    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.
    Type: Grant
    Filed: July 18, 2017
    Date of Patent: March 1, 2022
    Assignee: Visa International Service Association
    Inventors: Robert Dean McLaughlin, Balakrishnan Kannikeswaran, Biju Abraham, Roshin Joseph