US 11,836,702 B2
Systems and methods for communicating transaction data between mobile devices
Jacques-Antoine Godet, London (GB); and Onkar Singh Bahia, Essex (GB)
Assigned to Visa International Service Association, San Francisco, CA (US)
Appl. No. 17/625,411
Filed by Visa International Service Association, San Francisco, CA (US)
PCT Filed Jul. 10, 2019, PCT No. PCT/US2019/041164
§ 371(c)(1), (2) Date Jan. 7, 2022,
PCT Pub. No. WO2021/006893, PCT Pub. Date Jan. 14, 2021.
Prior Publication US 2022/0261785 A1, Aug. 18, 2022
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/3255 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/401 (2013.01); G06Q 20/42 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A computer-implemented method for communicating transaction data between mobile devices, the computer-implemented method comprising:
receiving, with at least one processor from a point-of-sale (POS) device, account data associated with a merchant account and device data associated with the POS device, wherein the device data associated with the POS device comprises short message service (SMS) device data associated with the POS device;
registering, with at least one processor, the account data associated with the merchant account as corresponding to the SMS device data associated with the POS device in an application hosted by a transaction service provider system;
receiving, with at least one processor from a user device, account data associated with a user account and device data associated with the user device, wherein the device data associated with the user device comprises SMS device data associated with the user device;
registering, with at least one processor, the account data associated with the user account as corresponding to the SMS device data associated with the user device in the application hosted by the transaction service provider system;
receiving, with at least one processor via an SMS communication connection, transaction data associated with a transaction from the POS device, comprising:
the SMS device data associated with the POS device,
the SMS device data associated with the user device, and
parameter data associated with the transaction, the transaction initiated by the POS device, the parameter data comprising a transaction value,
verifying, with at least one processor, that the POS device and the user device are registered in the application hosted by the transaction service provider system in response to receiving the SMS device data associated with the POS device and the SMS device data associated with the user device;
transmitting, with at least one processor, a transaction parameter confirmation message to the POS device based on receiving the transaction data;
receiving, with at least one processor from the POS device, a transaction parameter confirmation response message;
transmitting, with at least one processor, a pre-authorization request message to an issuer server in response to receiving the transaction parameter confirmation response message from the POS device;
receiving, with at least one processor from the issuer server, a pre- authorization response message comprising an indication based on an account balance of the user account being greater than the transaction value;
based on receiving the pre-authorization response message comprising the indication transmitting, with at least one processor, a first confirmation message associated with the transaction, via an SMS communication connection, to the user device to confirm the transaction;
receiving, with at least one processor from the user device, a first confirmation response message via the SMS communication connection; and
based on receiving the first confirmation response message, processing, with at least one processor, the transaction data.