Patents
US 12731111 B2: Methods and systems for dynamic routing of electronic transaction messages
- Granted
- 2026-09-08
- Filed
- 2024-10-03 application 18905794
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
Systems and methods are disclosed for dynamic routing of electronic transactions. One method comprises receiving a request message from a merchant system and determining a routing directive associated with the request message. Upon determining the routing directive, contextual data may be retrieved based on the routing directive. Then, a final destination payment processor may be determined based on the routing directive and the contextual data. The request message may be updated based on the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.
Source: PTBLXML, file of 2026-09-08 (ipgb20260908.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Worldpay, LLC 477 patents | US company or organization | Symmes Township, OH | PTBLXML, file of 2026-09-08 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Stephen E. Dinan | Austin, TX | 23 | PTBLXML, file of 2026-09-08 | |
| James S. Osborn | Austin, TX | 7 | PTBLXML, file of 2026-09-08 | |
| William J. Wied | Austin, TX | 23 | PTBLXML, file of 2026-09-08 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/04 | PTBLXML, file of 2026-09-08 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
No recorded assignments or security interests on file for this patent.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.