APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR RECOVERING TORN SMART PAYMENT DEVICE TRANSACTIONS
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Accused Products
Abstract
A first command is sent from a payment terminal assembly to a payment device with an on-device balance to compute a cryptogram to complete a putative transaction. It is detected that the cryptogram is not received as expected. In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of a terminal memory of the payment terminal assembly. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device. Upon such re-presentation, the payment terminal assembly compares the obtained identifier of the payment device to contents of the storage area. Conditioned at least upon the comparing yielding a match, a second command is sent from the payment terminal assembly to the payment device to instruct the payment device to re-produce the cryptogram to complete the putative transaction.
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Citations
7 Claims
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1-3. -3. (canceled)
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4. A method comprising the steps of:
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facilitating initial presentation of a device to a terminal assembly in connection with a putative data storage transaction, said device comprising a device memory storing a device-side application, and at least one device processor coupled to said device memory, said terminal assembly comprising a terminal memory, storing a terminal-side application, and at least one terminal processor coupled to said terminal memory; sending a first command from said terminal assembly to said device to compute a cryptogram to complete said putative data storage transaction; detecting that said cryptogram is not received as expected; responsive to said detection, storing in a storage area of said terminal memory an identifier of said device and data storage transaction recovery data associated with said putative data storage transaction; obtaining, by said terminal assembly, said identifier of said device, upon re-presentation of said device to said terminal assembly; upon said re-presentation of said device to said terminal assembly, comparing, by said terminal assembly, of said obtained identifier of said device to contents of said storage area; and conditioned at least upon said comparing yielding a match, sending a second command from said terminal assembly to said device, said second command instructing said device to re-produce said cryptogram to complete said putative data storage transaction.
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5. A method comprising the steps of:
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facilitating initial presentation of a payment device to a payment terminal assembly in connection with a putative transaction, said payment device comprising a payment device memory storing a device-side payment application, with an on-device balance, and at least one payment device processor coupled to said payment device memory, said payment terminal assembly comprising a terminal memory, storing a terminal-side payment application, and at least one terminal processor coupled to said terminal memory; sending a first command from said payment terminal assembly to said payment device to compute an original cryptogram to complete said putative transaction; detecting that said original cryptogram is not received as expected; responsive to said detection, storing in a storage area of said terminal memory an identifier of said payment device and transaction recovery data associated with said putative transaction; obtaining, by said payment terminal assembly, said identifier of said payment device, upon re-presentation of said payment device to said payment terminal assembly; upon said re-presentation of said payment device to said payment terminal assembly, comparing, by said payment terminal assembly, of said obtained identifier of said payment device to contents of said storage area; and conditioned at least upon said comparing yielding a match, sending a second command from said payment terminal assembly to said payment device, said second command instructing said payment device to re-produce said original cryptogram as a re-produced cryptogram to complete said putative transaction, wherein said re-produced cryptogram has a different value but same meaning as compared to said original cryptogram.
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6. A method comprising the steps of:
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facilitating initial communication of a real payment device to a virtual payment terminal assembly in connection with a putative transaction; sending a first command from said virtual payment terminal assembly to said real payment device to compute a cryptogram to complete said putative transaction; detecting that said cryptogram is not received as expected; responsive to said detection, storing in a storage area of a memory of said virtual terminal an identifier of said real payment device and transaction recovery data associated with said putative transaction; obtaining, by said virtual payment terminal assembly, said identifier of said real payment device, upon re-communication of said virtual payment device to said virtual payment terminal assembly; upon said re-communication of said real payment device to said virtual payment terminal assembly, comparing, by said virtual payment terminal assembly, of said obtained identifier of said real payment device to contents of said storage area; and conditioned at least upon said comparing yielding a match, sending a second command from said virtual payment terminal assembly to said real payment device, said second command instructing said real payment device to re-produce said cryptogram to complete said putative transaction.
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7. A method comprising the steps of:
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facilitating initial communication of a virtual payment device to a real payment terminal assembly in connection with a putative transaction; sending a first command from said real payment terminal assembly to said virtual payment device to compute a cryptogram to complete said putative transaction; detecting that said cryptogram is not received as expected; responsive to said detection, storing in a storage area of a memory of said real terminal an identifier of said virtual payment device and transaction recovery data associated with said putative transaction; obtaining, by said real payment terminal assembly, said identifier of said virtual payment device, upon re-communication of said virtual payment device to said real payment terminal assembly; upon said re-communication of said virtual payment device to said real payment terminal assembly, comparing, by said real payment terminal assembly, of said obtained identifier of said virtual payment device to contents of said storage area; and conditioned at least upon said comparing yielding a match, sending a second command from said real payment terminal assembly to said virtual payment device, said second command instructing said virtual payment device to re-produce said cryptogram to complete said putative transaction.
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Specification