US 12,333,524 B2
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 Dec. 7, 2023, as Appl. No. 18/532,347.
Application 18/532,347 is a continuation of application No. 17/458,965, filed on Aug. 27, 2021, granted, now 11,887,104.
Application 17/458,965 is a continuation of application No. 15/139,223, filed on Apr. 26, 2016, granted, now 11,107,066.
Prior Publication US 2024/0104550 A1, Mar. 28, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/36 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/3226 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A method comprising:
adding a payment element to a mobile wallet application, the payment element including at least one of a credit card account, a debit card account, or a checking account;
in response to the adding of the payment element and determining, generating, at a wallet management system, a first raw token comprising:
mobile wallet identification data describing the mobile wallet application, the mobile wallet application associated with a mobile computing device;
the payment element; and
sequence data;
cryptographically signing the first raw token to generate a first offline token, the first offline token including a sequence number, the sequence number matching a next sequence number associated with the mobile wallet application, the next sequence number stored in the wallet management system;
transmitting the first offline token to the mobile wallet application, the first offline token enabling offline payments from the payment element;
receiving, at the wallet management system, an authentication request message including the first offline token;
at the wallet management system, in response to receiving the authentication request message, make a determination that the mobile computing device is offline based on a determination that a threshold period of time has passed since a last received heartbeat from the mobile wallet application by comparing a current time to a timestamp of the last received heartbeat; and
in response to the determination, sending an authentication message indicating the first offline token is usable for a purchase transaction.