Visa Inc.
Method and System for Generating Payment Request Message Based on Preferred Payment Method

Abstract:

A computer-implemented method for generating a payment request message based on a preferred payment method is proposed. The computer system facilitates communication of transaction messages between a merchant server and an interoperability server. A first payment request message is received from the merchant server for transaction between a user and a merchant. A payment method is selected from a group comprising a plurality of merchant preferred payment methods and a plurality of user preferred payment methods obtained from a database. The selection is based on at least one of transaction information in the first payment request message and one or more rules. A second payment request message is generated in the selected payment method. The second payment request message is provided to the interoperability server. The transaction is processed in the selected payment method.