Peer-to-peer mobile device payment network

US11030605B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Surendra Keshan · Cupertino, US
• Sanjay Sankolli · San Francisco, US

Key dates

• Filing date: Mar 31, 2016
• Grant date: Jun 8, 2021
• Expiry date: May 5, 2036

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/401
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.