The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jun. 08, 2021

Filed:

Mar. 31, 2016
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventors:

Surendra Keshan, San Francisco, CA (US);

Sanjay Sankolli, San Francisco, CA (US);

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2012.01); G06Q 20/22 (2012.01); G06Q 20/32 (2012.01); G06Q 20/12 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/223 (2013.01); G06Q 20/12 (2013.01); G06Q 20/32 (2013.01); G06Q 20/322 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/401 (2013.01);
Abstract

A computer-implemented method of communicating payment data. The method includes receiving at a server, via a digital communication network, payment data transmitted from a first computing device that is connected to a peer-to-peer network and not in direct communication with the server. The payment data is received directly from a first peer computing device that is in communication with the peer-to-peer network and the server. The method also includes, at the server, analyzing, via one or more processors, the payment data to determine a payment response message. The method also includes transmitting from the server, via the digital communication network, the payment response message to a second peer computing device that is in communication with the server and in communication with the peer-to-peer network. The payment response message is communicated from the second peer computing device to the first computing device through the peer-to-peer network.


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