SYSTEMS AND METHODS FOR SECURE WIRELESS PAYMENT TRANSACTIONS WHEN A WIRELESS NETWORK IS UNAVAILABLE
First Claim
Patent Images
1. A method for authorizing a transaction, the method comprising:
- receiving at a payment authority server, from a point of sale terminal, a payment code associated with a state of network disconnectivity at a mobile device;
authorizing the transaction associated with the point of sale terminal in response to a determination that a set of payment codes stored by the payment authority server contains the payment code received from the point of sale terminal, wherein the set of payment codes stored by the payment authority server is associated with the state of network disconnectivity at the mobile device; and
invalidating the received payment code at the payment authority server for future transactions.
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Accused Products
Abstract
Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilize a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.
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Citations
22 Claims
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1. A method for authorizing a transaction, the method comprising:
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receiving at a payment authority server, from a point of sale terminal, a payment code associated with a state of network disconnectivity at a mobile device; authorizing the transaction associated with the point of sale terminal in response to a determination that a set of payment codes stored by the payment authority server contains the payment code received from the point of sale terminal, wherein the set of payment codes stored by the payment authority server is associated with the state of network disconnectivity at the mobile device; and invalidating the received payment code at the payment authority server for future transactions. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A payment authority server, comprising:
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at least one processor; and at least one memory communicatively coupled with the at least one processor, the at least one memory comprising executable code that, when executed by the at least one processor, causes the at least one processor to; receive at the payment authority server, from a point of sale terminal, a payment code associated with a state of network disconnectivity at a mobile device; authorize a transaction associated with the point of sale terminal in response to a determination that a set of payment codes stored by the payment authority server contains the payment code received from the point of sale terminal, wherein the set of payment codes stored by the payment authority server is associated with the state of network disconnectivity at the mobile device; and invalidate the received payment code at the payment authority server for future transactions. - View Dependent Claims (11, 12, 13, 14)
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15. A method for conducting a transaction, comprising:
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receiving a request from a user for a payment code at a mobile device; determining that a wireless network is unavailable to the mobile device; retrieving the payment code from a digital lockbox of the mobile device in response to the determination that the wireless network is unavailable, the payment code associated with a state of disconnectivity between the mobile device and the wireless network; providing the retrieved payment code to a point of sale terminal to authorize the transaction; and communicating with a payment authority server to receive a replacement payment code for the digital lockbox in response to the mobile device reconnecting to the wireless network. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22)
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Specification