The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 31, 2013
Filed:
Mar. 27, 2012
Darren Davis, Sioux Falls, SD (US);
Tom Koch, Sioux Falls, SD (US);
John D. Miller, Hagerstown, MD (US);
Eric Philips, Cincinnati, OH (US);
Guy B. Sereff, Franklin, TN (US);
Stacy Tobias, Sioux Falls, SD (US);
Vasu Vemuri, Clear Spring, MD (US);
Rochelle Wesselink, Tea, SD (US);
Scott Tanguay, Kansas City, MT (US);
Robert Strub, Cincinnati, OH (US);
Caleb Williams, Sioux Falls, SD (US);
Shamus Weiland, Ponte Vedra Beach, FL (US);
Darren Davis, Sioux Falls, SD (US);
Tom Koch, Sioux Falls, SD (US);
John D. Miller, Hagerstown, MD (US);
Eric Philips, Cincinnati, OH (US);
Guy B. Sereff, Franklin, TN (US);
Stacy Tobias, Sioux Falls, SD (US);
Vasu Vemuri, Clear Spring, MD (US);
Rochelle Wesselink, Tea, SD (US);
Scott Tanguay, Kansas City, MT (US);
Robert Strub, Cincinnati, OH (US);
Caleb Williams, Sioux Falls, SD (US);
Shamus Weiland, Ponte Vedra Beach, FL (US);
Citicorp Credit Services, Inc., Long Island, NY (US);
Abstract
Methods and systems of processing payments globally over one of a plurality of payment processing paths employ computer hardware and software for receiving a request to access a global payment utility, presenting a plurality of payment options by the global payment utility, and receiving information by the global payment utility consisting at least in part of a source of payment, a payment destination, and a user-designated payment vehicle. Upon receiving the information, one of a plurality of payment processing paths for the payment is selected according to a clearing rules aspect of a rules engine of the global payment utility, and the payment is routed for processing via the selected payment processing path.