US 11,915,232 B2
Offline transaction system and method
Elson Rodrigues, Mumbai (IN); and Piyush Sharma, Pune (IN)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Feb. 9, 2018, as Appl. No. 15/892,952.
Claims priority of application No. 201711005382 (IN), filed on Feb. 15, 2017.
Prior Publication US 2018/0232732 A1, Aug. 16, 2018
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06Q 20/22 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/3829 (2013.01) [G06Q 20/223 (2013.01); G06Q 20/327 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/3676 (2013.01); G06Q 20/382 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4033 (2013.01); G06Q 20/36 (2013.01); G06Q 20/4012 (2013.01); G06Q 20/40145 (2013.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for performing a transaction, the system comprising:
a payee client device, a payer client device, and at least one payment processing device;
wherein the payer client device comprises a payer client device processor and a payer client device memory storing instructions for a payer payment application that, when executed by the payer client device processor, direct the payer client device to:
in an offline mode:
communicate with the payee client device regarding transaction details including at least a transaction amount for a transaction;
generate a transaction request including request transaction details indicative of at least the transaction amount for the transaction;
store the transaction request in memory; and
update, at the payer client device, a payer available funds amount at least partially in accordance with the transaction amount;
determine whether a connection is available to the at least one payment processing device for an online mode; and
in response to a determination that the connection is available, in the online mode:
provide the transaction request to the at least one payment processing device;
wherein the payee client device comprises a payee client device processor and a payee client device memory storing instructions for a payee payment application that, when executed by the payee client device processor, direct the payee client device to:
in an offline mode:
communicate with the payer client device regarding the transaction details including at least the transaction amount for the transaction;
generate a transaction confirmation including confirmation transaction details indicative of at least the transaction amount;
store the transaction confirmation; and
update, at the payee client device, a payee available funds amount at least partially in accordance with the transaction amount;
determine whether a connection is available to the at least one payment processing device for an online mode; and
in response to a determination that the connection is available, in the online mode:
provide the transaction confirmation to the at least one payment processing device; and
wherein the at least one payment processing device comprises a processor and a memory storing instructions that direct the at least one payment processing device to:
receive the transaction request from the payer client device;
receive the transaction confirmation from the payee client device;
compare the request transaction details of the transaction request and the confirmation transaction details of the transaction confirmation;
determine whether there is a match between the request transaction details of the transaction request and the confirmation transaction details of the transaction confirmation; and
in response to a determination of the match, process the transaction.