US 11,769,128 B2
Multi-protocol data transfer
Christopher Jones, San Francisco, CA (US); Sanjeev Sharma, Foster City, CA (US); Christian Flurscheim, Foster City, CA (US); Chandra Srivastava, San Francisco, CA (US); Vishwanath Shastry, San Francisco, CA (US); Kiushan Pirzadeh, Foster City, CA (US); and Christian Aabye, Foster City, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed on Sep. 21, 2021, as Appl. No. 17/480,753.
Application 17/480,753 is a continuation of application No. 15/563,397, granted, now 11,151,533, previously published as PCT/US2016/025360, filed on Mar. 31, 2016.
Claims priority of provisional application 62/140,921, filed on Mar. 31, 2015.
Prior Publication US 2022/0005013 A1, Jan. 6, 2022
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); H04W 4/80 (2018.01); H04W 84/12 (2009.01)
CPC G06Q 20/202 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/204 (2013.01); G06Q 20/209 (2013.01); G06Q 20/327 (2013.01); H04W 4/80 (2018.02); H04W 84/12 (2013.01)] 12 Claims
OG exemplary drawing
 
1. 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.