Debit network routing selection using a scannable code

Abstract

Embodiments are directed to selecting a debit network using a quick response (QR) code and to processing a payment using a debit network selected according to information embedded in a QR code. In one scenario, a mobile computer system receives input indicating that a user has initiated a payment for various items sold by a provider of goods or services. The mobile computer system determines that the user or the provider has specified a preference indicating which debit network is to be used to process the payment. The mobile computer system then generates a QR code with the debit network selection and portions of the user's debit account information embedded in the QR code, and sends the generated QR code to a payment processing system. The payment processing system may be cloud-based, or may be run locally at the provider's point of sale.

We claim: 
     
         1 . A mobile computer system comprising the following:
 one or more processors;   system memory;   one or more computer-readable storage media having stored thereon computer-executable instructions that are executable by the one or more processors to configure the computer system to select a debit network using a scannable code, the computer-executable instructions comprising computer-executable instructions that are executable to configure the computer system to perform at least the following:
 receiving input indicating that a user has initiated a debit payment for one or more items sold by a provider of goods or services; 
 determining a user preference indicating a user preferred debit network is to be used to process the initiated debit payment; 
 determining a provider preference indicating a provider preferred debit network to be used to process the initiated debit payment; 
 selecting the provider preferred debit network to process the initiated debit payment by at least overriding the user preferred debit network with the provider preferred debit network while performing the selecting; 
 generating a scannable code with the debit network selection and one or more portions of the user's debit account information embedded in the scannable code; and 
 sending the initiated debit payment to a payment processing system for the provider preferred debit network to process the initiated debit payment. 
   
     
     
         2 . The mobile computer system of  claim 1 , wherein the input indicating that the user has initiated the debit payment for one or more items sold by the provider of goods or services is generated by a mobile wallet application running on the mobile computer system. 
     
     
         3 . The mobile computer system of  claim 2 , wherein the scannable code is automatically generated by the mobile wallet application running on the mobile computer system when the mobile wallet application is used to pay for the one or more items. 
     
     
         4 . The mobile computer system of  claim 1 , wherein the debit network selection is determined dynamically for each user. 
     
     
         5 . The mobile computer system of  claim 1 , further comprising:
 determining at least one of the following: the user's demographic information, the user's payment preferences and the user's purchasing history;   determining, based on at least one of the user's demographic information, the user's payment preferences and the user's purchasing history, which debit network is to be used to route the user's payment and account details; and   based on the determination, providing the determined debit network to the mobile computer system, the determined debit network indicating the user's debit network preference.   
     
     
         6 . The mobile computer system of  claim 1 , further comprising:
 receiving, at the mobile computer system, an indication of the provider's preference for debit network; and   indicating the provider-preferred debit network to the mobile computer system.   
     
     
         7 . The mobile computer system of  claim 1 , wherein the payment processing system is a cloud-based payment processing system. 
     
     
         8 . The mobile computer system of  claim 1 , wherein the debit network selection is determined dynamically at each provider of goods or services. 
     
     
         9 . The mobile computer system of  claim 1 , wherein the scannable code comprises a secure, tokenized scannable code. 
     
     
         10 . The mobile computer system of  claim 1 , wherein the mobile computer system comprises at least one of the following: a cellular telephone, a tablet, a smartphone, a notebook and a laptop. 
     
     
         11 . A computer-implemented method, which is implemented by a computing system that includes one or more processors and one or more hardware storage device having stored computer-executable instructions which are operable by the one or more processors to cause the computing system to process a payment using a selected debit network according to information embedded in a scannable code, the method comprising:
 the computer system receiving input indicating that a user has initiated a debit payment for one or more items sold by a provider of goods or services;   the computer system identifying a plurality of debit networks that can be used to process the initiated debit payment, the debit network comprising a debit payment processing entity that processes the initiated debit payment;   the computer system automatically selecting a debit network from the plurality of debit networks to be used to process the initiated debit payment based on a determination that the selected debit network will provide a reward to the user for use of the debit network;   the processor generating a scannable code with an identification of the selected debit network and one or more portions of the user's debit account information embedded in the scannable code; and   sending a payment transaction to a payment processing system for the selected debit network to process the initiated debit payment and which results in the selected debit network providing the reward to the user.   
     
     
         12 . The method of  claim 11 , wherein the debit network selected for routing is at least one of an electronic funds transfer (EFT) network and an automated clearing house (ACH) network. 
     
     
         13 . A computer system comprising:
 one or more processors;   system memory;   one or more computer-readable media having stored thereon executable instructions that are executable by the one or more processors to configure the computer system to process a payment using a debit network selected according to information embedded in a scannable code, the computer-executable instructions comprising computer-executable instructions that are executable to configure the computer system to perform at least the following:
 receive a scannable code with one or more portions of embedded payment information, the embedded payment information including at least the following: a total payment amount that is to be paid by a user, debit account information for the user, and an indication of which debit network is to be used to process the payment, the debit network comprising a debit payment processing entity that processes the initiated debit payment, wherein the indication of which debit network to be used includes (1) a user preferred network and (2) a provider preferred network, such that the scannable code includes both of (1) the user preferred network and (2) the provider preferred network; 
 determine which debit network is to be used to process the payment based on the indication provided in the embedded payment information in the received scannable code; 
 send the payment amount and the user's debit account information to the determined debit network; and 
 receive an indication that the payment was processed by the determined debit network. 
   
     
     
         14 . The computer system of  claim 13 , wherein the scannable code also includes an identification of rewards to be provided when the selected network is used and an identification of one or more goods or services associated with the total payment amount. 
     
     
         15 . The computer system of  claim 13 , wherein the scannable code is received from the user's mobile computer system. 
     
     
         16 . The computer system of  claim 13 , wherein the scannable code is received from a retailer's point of sale. 
     
     
         17 . The computer system of  claim 13 , wherein the debit network is selected based on the geographic location at which the payment is initiated. 
     
     
         16 . The computer system of  claim 13 , wherein the debit network is selected based on time of day at which the payment is initiated. 
     
     
         17 . The computer system of  claim 13 , wherein the debit network is selected automatically based on one or more criteria. 
     
     
         18 . The computer system of  claim 17 , wherein at least one of the criteria comprises cost per debit transaction. 
     
     
         19 . The computer system of  claim 13 , wherein the scannable code is a quick response (QR) code.