Visa International Service Association

Rajiv Dutta

Nathan Morgan

Rohit Sukhija

Soorej Nair

Man Grace Wu

Jan Tore Klepp

Ghanshyam Rokde

Uma Srinivasan

Sanjib Sengupta

Palaniappan Kathiresan

Alan Johnson

Bartlomiej Piotr Prokop

Thomas Looney

Bryan Carroll

James Donaldson

John C Wang

Shobhit Agrawal

Andre Walter Machicao

Rhidian Desmond Thomas John

Ajay Kumar

Clinton Lopaka Florez

Niall McGurk

Timothy Hodkinson

Brian McManus

Thomas Joseph Looney

A system, method, and apparatus is provided for integrating multiple payment options on a merchant webpage. The method includes receiving, from a merchant system associated with a merchant webpage, a payment data capture request, generating, with at least one processor, web payment capture data based on the payment data capture request, the web payment capture data configured to adapt the merchant webpage to receive payment information input by a user, communicating, to the merchant system, the web payment capture data, receiving, directly from a client computer via at least one client-side script executed by the client computer based on the web payment capture data, the payment information input by the user, generating, with at least one processor, a transient payment token based on the payment information, and directly communicating the transient payment token to the client computer.

System, method, and apparatus for integrating multiple payment options on a merchant webpage

Embodiments of the invention are directed to systems and methods for common request processing by a request formatting platform. The request formatting platform generates formatted requests for request processors according to specifications of a common request processing application programming interface (API). The same common request processing API is used by the request formatting platform to communicate with all of the request processors according to one particular format.

System and method for common request processing

The MULTIPLE MERCHANT PAYMENT PROCESSOR PLATFORM APPARATUSES, METHODS AND SYSTEMS ('MID-PLATFORM') enable merchants to customize the way payments made to them are processed. For example, a computer-implemented MID-Platform receives a payment request associated with a site (e.g., a website) and identifies a site profile associated with the site. The site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors. The MID-Platform processes information associated with the payment request according to one or more transaction preference rules to select one of the account processors. Then, the MID-Platform sends a payment processing request to the selected account processor.

Multiple merchant payment processor platform apparatuses, methods and systems

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Palo Alto, CA, United States of America

Rajiv Dutta