Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization...http://www.google.de/patents/US8073772?utm_source=gb-gplus-sharePatent US8073772 - Systems and methods for processing transactions using multiple budgets
