| CPC G06Q 20/4014 (2013.01) [G06Q 20/065 (2013.01); G06Q 20/389 (2013.01); G06Q 20/407 (2013.01)] | 11 Claims |
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1. A system comprising a sending computing device and a receiving computing device, in which the sending computing device is configured for at least sending digital currency payments and the receiving computing device is configured for receiving digital currency payments on a remote ledger service, the system comprising:
the sending computing device, comprising:
a network interface to communicate with a receiving computing device in which the receiving computing device is an intended recipient of digital currency from the sending computing device;
tamper-resistant hardware, which secures one or more private keys that are inaccessible outside of the tamper-resistant hardware;
one or more processors; and
one or more hardware-based memory devices having instructions which, when executed by the one or more processors, cause the sending computing device to:
initiate a transaction by which a digital currency is transmitted from the sending computing device to the receiving computing device to safeguard the transaction;
while there is no available connection to the remote ledger service from at least the sending device, transmit, by the sending computing device's tamper-resistant hardware, a Spend Authorization to the receiving computing device, wherein the Spend Authorization was previously acquired from the remote service and includes a digital signature attesting that the sending computing device is configured with tamper-resistant hardware that was approved by the remote ledger service;
while there is no available connection to the remc te ger service from at least the sending computing device responsive to the receiving computing device detecting the sending computing device's tamper-resistant hardware using the Spend Authorization, send, by the sending computing device, a Revokable Payment Transaction (RPT) to the receiving computing device, in which the RPT includes a monetary amount and a revokable term over which the sending computing device is authorized to cancel a transaction, the revokable term to end when the specified time has elapsed after computing device bas delivered a re okable transaction to the remote ledger service when the connection to the remote ledger service is available; and
execute one of the following actions:
responsive to receiving a confirmation message, from the receiving computing device, that the RPT was received and validated at the receiving computing device, (i) send, from the sending computing device a Non-Revokable Payment Transaction (Non-RPT) to the receiving computing device, which indicates a payment has succeeded and the revokable term from the RPT has been removed due to the receiving computing device validating the RPT from the sending computing device, (ii) display an indication, on the sending computing device's user interface, that the payment has succeeded, and (ifi) report the successful payment to the remote ledger service connection becoming established; or
responsive to the sending computing device failing to receive the confirmation message, from the receiving computing device, that the receiving computing device received and validated the RPT from the sending computing device, (i) generate a Revoke Payment transaction, (ii) display an indication, on the sending computing device's user interface, that the payment has failed, and (iii) report the failed payment to the remote two connection becoming established.
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