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Offline payment processing

  • US 9,904,934 B1
  • Filed: 03/29/2011
  • Issued: 02/27/2018
  • Est. Priority Date: 03/29/2011
  • Status: Active Grant
First Claim
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1. A system for securely providing payment authorization comprising:

  • a processor;

    a code scanning component configured to read a code via a first communication channel;

    a presentation device;

    a transceiver; and

    a memory storing a secure payment application that, when executed by the processor, causes the system to;

    read, using the code scanning component, a code generated at least partly by a merchant device associated with a merchant, the code being a quick response (QR) code or a near field communication (NFC) code, wherein the QR code or the NFC code encodes a payment instruction defining a payment amount and an identification of an account associated with the merchant, and wherein the merchant device is an offline merchant device incapable of current communications with a host device;

    transform the code into the payment instruction to enable the payment amount to be received by the account associated with the merchant;

    cause, based at least in part on the payment instruction, a request for payment to be transmitted from the system to the host device via the transceiver;

    in response to a determination at the host device that the payment requires authorization, receive an authorization request, from the host device and via the transceiver, for security credentials of a user associated with the system;

    request that the user enter the security credentials via a user interface of the presentation device;

    receive, via the user interface of the presentation device, the security credentials authorizing the host device to cause the payment amount to be transferred to the account associated with the merchant;

    generate a command to be transmitted over a short message service (SMS) communication channel, the command generated based on the transformed payment instruction and the command authorizing the payment;

    transmit, by the transceiver and via the SMS communication channel that is different than the first communication channel used to read the code, the command from the system to the host device to instruct the host device to cause the payment amount to be transferred from an account associated with the user to the account associated with the merchant; and

    receive confirmation, via the SMS communication channel, that the payment amount has been transferred from the account associated with the user to the account associated with the merchant.

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