US 11,887,104 B1
Mobile wallet with offline payment
Joon Maeng, Newcastle, WA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Aug. 27, 2021, as Appl. No. 17/458,965.
Application 17/458,965 is a continuation of application No. 15/139,223, filed on Apr. 26, 2016, granted, now 11,107,066.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/32 (2012.01); G06Q 20/20 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/3226 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, at a wallet management system, from a mobile wallet application associated with a mobile computing device, a request for an offline token;
in response to the receiving:
generating, at the wallet management system, a first raw token comprising:
mobile wallet identification data describing the mobile wallet application;
payment element identification data describing a payment element of the mobile wallet application, the payment element including at least one of a credit card account, a debit card account, or a checking account; and
sequence data;
cryptographically sign the first raw token to generate the offline token; and
transmitting the offline token to the mobile wallet application;
receiving, at the wallet management system and from a financial institution system, an authentication request message including the offline token and payment data describing a purchase transaction requested by the mobile wallet application, the offline token including a sequence number; and
in response to receiving the authentication request message:
making a first determination that the mobile computing device is offline;
making a second determination that the sequence number matches a next sequence number stored at the wallet management system, the next sequence number stored in association with the mobile wallet application; and
based on the first determination and the second determination, sending to the financial institution system, an authentication message indicating the offline token is usable for the purchase transaction.