Presence-of-card code for offline payment processing system
First Claim
1. A computer-implemented method for providing offline payment processing of purchases, comprising:
- receiving, by a mobile communication device via a network connection with a computer managing smart card device accounts, smart card device account numbers and corresponding verification numbers for a plurality of smart card devices;
terminating, by the mobile communication device, the network connection to the computer managing the smart card device accounts;
establishing, by the mobile communication device, a communication channel with a smart card device while the mobile communication device is without a network connection to the computer managing the smart card device accounts;
receiving, by the mobile communication device and from the smart card device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, a smart card device account number, a verification number, and a transaction history comprising a listing of previous deposit transactions and a listing of previous withdrawal transactions;
calculating, by the mobile communication device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, an amount of previous withdrawals using the listing of previous withdrawal transactions and an amount of previous deposits using the listing of previous deposit transactions; and
authorizing, by the mobile communication device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, an offline transaction with the smart card device by determining that the smart card device account number and the verification number received from the smart card device matches a smart card device account number and a corresponding verification number received from the computer managing the smart card device accounts and by determining that a current transaction amount is less than or equal to a difference between the amount of previous deposits and the amount of the previous withdrawals.
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Accused Products
Abstract
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each transaction, wherein it is cross-referenced with the account number to ensure presence of the card. Also, every transaction record is signed by an access key resident on the contactless device and certified by a signing key resident on a remote system. Funds may be deposited onto the card when the contactless device creates a deposit request, signs the request using an access key and transmits it to the remote system, which in turn processes the request and certifies it with a signing key. Funds may be withdrawn when the contactless device creates a withdrawal record and signs it using an access key. The remote system verifies the signatures and certifies the records using a signing key when the records are later transmitted.
27 Citations
18 Claims
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1. A computer-implemented method for providing offline payment processing of purchases, comprising:
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receiving, by a mobile communication device via a network connection with a computer managing smart card device accounts, smart card device account numbers and corresponding verification numbers for a plurality of smart card devices; terminating, by the mobile communication device, the network connection to the computer managing the smart card device accounts; establishing, by the mobile communication device, a communication channel with a smart card device while the mobile communication device is without a network connection to the computer managing the smart card device accounts; receiving, by the mobile communication device and from the smart card device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, a smart card device account number, a verification number, and a transaction history comprising a listing of previous deposit transactions and a listing of previous withdrawal transactions; calculating, by the mobile communication device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, an amount of previous withdrawals using the listing of previous withdrawal transactions and an amount of previous deposits using the listing of previous deposit transactions; and authorizing, by the mobile communication device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, an offline transaction with the smart card device by determining that the smart card device account number and the verification number received from the smart card device matches a smart card device account number and a corresponding verification number received from the computer managing the smart card device accounts and by determining that a current transaction amount is less than or equal to a difference between the amount of previous deposits and the amount of the previous withdrawals. - View Dependent Claims (2, 3, 4, 5, 6, 7, 16)
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8. A computer program product, comprising:
a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a mobile computing device cause the mobile computing device to perform the steps of; receiving, via a network connection with a computer managing smart card device accounts, smart card device account numbers and corresponding verification numbers for a plurality of smart card devices; terminating the network connection to the computer managing the smart card device accounts; establishing a communication channel with a smart card device while the mobile communication device is without a network connection to the computer managing the smart card device accounts; receiving, from a smart card device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, a smart card device account number, a verification number, and a transaction history comprising a listing of previous deposit transactions and a listing of previous withdrawal transactions; calculating, while the mobile communication device is without a network connection to the computer managing the smart card device accounts, an amount of previous withdrawals using the listing of previous withdrawal transactions and an amount of previous deposits using the listing of previous deposit transactions; and authorizing, while the mobile communication device is without a network connection to the computer managing the smart card device accounts, an offline transaction with the smart card device by determining that the smart card device account number and the verification number received from the smart card device matches a smart card device account number and a corresponding verification number received from the computer managing the smart card device accounts and by determining that a current transaction amount is less than or equal to a difference between the amount of previous deposits and the amount of the previous withdrawals. - View Dependent Claims (9, 10, 11, 17)
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12. A system for processing withdrawals of funds during offline payment processing of purchases, comprising:
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a processor; and a storage device comprising hardware storing executable instructions that when executed by the processor cause the processor to execute the steps of; receiving, via a network connection with a computer managing smart card device accounts, smart card device account numbers and corresponding verification numbers for a plurality of smart card devices; terminating the network connection to the computer managing the smart card device accounts; establishing a communication channel with a smart card device without a network connection to the computer managing the smart card device accounts; receiving, from the smart card device without a network connection to the computer managing the smart card device accounts, a smart card device account number, a verification number, and a transaction history comprising a listing of previous deposit transactions and a listing of previous withdrawal transactions; calculating, without a network connection to the computer managing the smart card device accounts, an amount of previous withdrawals using the listing of previous withdrawal transactions and an amount of previous deposits using the listing of previous deposit transactions; and authorizing, without a network connection to the computer managing the smart card device accounts, an offline transaction with the smart card device by determining that the smart card device account number and the verification number received from the smart card device matches a smart card device account number and a corresponding verification number received from the computer managing the smart card device accounts and by determining that a current transaction amount is less than or equal to a difference between the amount of previous deposits and the amount of the previous withdrawals. - View Dependent Claims (13, 14, 15, 18)
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Specification