Inventors:
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
Assignee:
Citicorp Credit Services, Inc. - Long Island NY
International Classification:
G06Q 40/00
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.