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    • 46. 发明申请
    • PEER-TO PEER MOBILE DEVICE PAYMENT NETWORK
    • 对等移动设备支付网络
    • WO2016161167A1
    • 2016-10-06
    • PCT/US2016/025354
    • 2016-03-31
    • VISA INTERNATIONAL SERVICE ASSOCIATION
    • KESHAN, SurendraSANKOLLI, Sanjay
    • G06Q20/00G06Q20/16G06Q20/20G06Q20/32
    • G06Q20/223G06Q20/32G06Q20/322G06Q20/401
    • 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.
    • 一种计算机实现的通信支付数据的方法。 该方法包括在服务器处经由数字通信网络接收从连接到对等网络并且不与服务器直接通信的第一计算设备发送的支付数据。 支付数据直接从与对等网络和服务器通信的第一对等计算设备接收。 该方法还包括在服务器处经由一个或多个处理器分析支付数据以确定支付响应消息。 该方法还包括从服务器经由数字通信网络将支付响应消息发送到与服务器通信并与对等网络通信的第二对等计算设备。 支付响应消息通过对等网络从第二对等计算设备传送到第一计算设备。
    • 47. 发明申请
    • EFFECTING PIN CHANGE FOR PAYMENT DEVICES
    • 影响付款设备的PIN更改
    • WO2016161000A1
    • 2016-10-06
    • PCT/US2016/025026
    • 2016-03-30
    • VISA INTERNATIONAL SERVICE ASSOCIATION
    • HURRY, Simon
    • G06Q20/34G06Q20/40G06Q20/32
    • G06Q20/4012G06Q20/32G06Q20/322H04L63/0846
    • A computer implemented method of entering a personal identification number on a payment device. The method includes establishing wireless communication between a computing device and a payment device comprising a security chip, and establishing communication between the security chip and a remote institution via the computing device over a digital communication network. The method includes receiving an entry of a personal identification number via the computing device, wirelessly transmitting the personal identification number to the payment device, and storing the personal identification number on the payment device. The method also includes transmitting, via the digital communication network, the personal identification number to the remote institution.
    • 一种在支付设备上输入个人识别号码的计算机实现方法。 该方法包括在计算设备和包括安全芯片的支付设备之间建立无线通信,以及通过数字通信网络经由计算设备在安全芯片与远程机构之间建立通信。 该方法包括经由计算装置接收个人识别号码的条目,将个人识别号码无线发送到支付装置,并将该个人识别号码存储在支付装置上。 该方法还包括经由数字通信网络将个人识别号码发送到远程机构。