公开(公告)号：US10083434B2

公开(公告)日：2018-09-25

申请号：US14686146

申请日：2015-04-14

申请人： Visa U.S.A. Inc.

发明人： Joan Myers ,  Sara Garrison ,  Mark Carlson

IPC分类号： G06Q20/32 ,  G06Q20/02 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

CPC分类号： G06Q20/322 ,  G06Q20/027 ,  G06Q20/085 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.

公开(公告)号：US10510064B2

公开(公告)日：2019-12-17

申请号：US15676477

申请日：2017-08-14

申请人： VISA U.S.A. INC.

发明人： Joan Myers ,  Sara Garrison ,  Mark Carlson

IPC分类号： G06Q20/32 ,  G06Q20/02 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/00 ,  G06Q40/02

摘要： A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service. The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.