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US 11,769,128 B2Granted
Multi-protocol data transfer
AssigneeVisa International Service Association
InventorsChristopher Jones, Sanjeev Sharma, Christian Flurscheim, Chandra Srivastava, Vishwanath Shastry, Kiushan Pirzadeh, Christian Aabye
Life of this patent
Estimating the term…
Abstract
A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.
Claims12
A computer-implemented method comprising:
- establishing wireless communication between a user computing device and an electronic point of sale terminal using a first communication channel, the first communication channel being one of a Bluetooth low energy (BLE) channel, a Wi-Fi (802.11 standard) channel, and a radio frequency identification channel;
- establishing communication between the user computing device and the electronic point of sale terminal using a near field communication (NFC) channel;
- communicating an identification message from the user computing device to the electronic point of sale terminal via the NFC channel, the identification message including a unique identifier for the user device and an indication of communication channels that the user computing device is configured to use;
- communicating contents of a virtual shopping cart from the user computing device to the electronic point of sale terminal via the first communication channel, the contents of the virtual shopping cart at least including purchase item identifiers and a purchase amount for items to be purchased;
- communicating a payment confirmation amount message from the user computing device to the electronic point of sale terminal via the first communication channel, the payment confirmation amount message confirming that the electronic point of sale terminal is permitted to charge the purchase amount for the items to be purchased in the virtual shopping cart;
- and
- communicating a payment credential message from the user computing device to the electronic point of sale terminal via the first communication channel, the payment credential message including a payment credential associated with a payment account to be used for the purchase transaction.
4 more elements
A computer system comprising:
- a user computing device;
- an electronic point of sale terminal;
- the user computing device being physically configured according to computer executable instructions for:
- establishing wireless communication between the user computing device and the electronic point of sale terminal using a first communication channel, the first communication channel being one of a Bluetooth low energy (BLE) channel, a Wi-Fi (802.11 standard) channel, and a radio frequency identification channel;
- establishing communication between the user computing device and the electronic point of sale terminal using a near field communication (NFC) channel;
- communicating an identification message from the user computing device to the electronic point of sale terminal via the NFC channel, the identification message including a unique identifier for the user device and an indication of communication channels that the user computing device is configured to use;
- communicating contents of a virtual shopping cart from the user computing device to the electronic point of sale terminal via the first communication channel, the contents of the virtual shopping cart at least including purchase item identifiers and a purchase amount for items to be purchased;
- communicating a payment confirmation amount message from the user device to the point of sale terminal via the first communication channel, the payment confirmation amount message confirming that the point of sale terminal is permitted to charge the purchase amount for the items to be purchased in the virtual shopping cart;
- and
- communicating a payment credential message from the user computing device to the point of sale terminal via the first communication channel, the payment credential *message including a payment credential associated with a payment account to be used for the purchase transaction.
7 more elements
A computer system comprising:
- a user computing device;
- an electronic point of sale terminal;
- the electronic point of sale terminal being physically configured according to computer executable instructions for:
- establishing wireless communication with a user computing device using a first communication channel;
- establishing wireless communication with the user computing device using a near field communication (NFC) channel;
- transmitting a first type of communication data to the user computing device via the first communication channel;
- transmitting a second type of communication data to the user computing device via the NFC channel;
- receiving a third type of communication data from the user computing device via at least one of the first communication channel or the NFC channel, the third type of communication data being contents of a virtual shopping cart, the contents of the virtual shopping cart at least including purchase item identifiers and a purchase amount for items to be purchased;
- and
- receiving a payment credential message from the user computing device via the first communication channel, the payment credential message including a payment credential associated with a payment account to be used to purchase the contents of the virtual shopping cart;
- wherein the first communication channel is one of a Bluetooth low energy, a Wi-Fi (802.11 standard) channel, and a radio frequency identification channel.
8 more elements
Dependencies are inferred from the claim text.