# US 10,769,614 B2 · Over the air update of payment transaction data stored in secure memory > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,769,614 B2 - Document ID: US10769614B2 - Status: Granted - Kind: B2 - Application number: 16/030,394 - Filed: 2018-07-09 - Published: 2019-01-17 - Granted: 2020-09-08 - Earliest claimed: 2008-09-22 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Christian Aabye; Hao Ngo; David William Wilson; Gustavo Mariath Zeiden; Chris Pitchford; Kiushan Pirzadeh - Web page: https://patentgrep.com/patent/US10769614B2 ## CPC - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit} - G06Q 20/32: using wireless devices - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/382: {insuring higher security of transaction} - G06Q 20/3829: {involving key management} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 40/12: Accounting - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications. If encryption keys are used for the encryption and decryption processes, they may be distributed by a key distribution server or other suitable entity to a mobile gateway which participates in the data encryption and decryption operations. ## Claims ### Claim 1 A data processing device, comprising: a processor; a memory; and a set of instructions stored in the memory, which when executed by the processor implement a method to: receive data for a transaction on an account from a point of sale terminal, the data including an actual transaction amount of the transaction, wherein at least some of the data is provided to the point of sale terminal by a mobile device that communicates with the point of sale terminal, wherein the mobile device stores an accumulator, receives an initial transaction amount of the transaction from the point of sale terminal, and adjusts the accumulator from a first accumulator value to a second accumulator value based on the initial transaction amount; process the received data to generate a record of the transaction, wherein the record of the transaction includes the actual transaction amount; and synchronize the accumulator stored in the mobile device by providing the record of the transaction including the actual transaction amount to an element of a wireless communications system, thereby causing the record of the transaction to be provided to the mobile device over a wireless network, wherein the mobile device adjusts the accumulator from the second accumulator value to a third accumulator value based on a difference between the actual transaction amount of the transaction and the initial transaction amount of the transaction. ### Claim 2 (depends on 1) The data processing device of claim 1, wherein the mobile device is a mobile phone. ### Claim 3 (depends on 1) The data processing device of claim 1, wherein the accumulator stored in the mobile device indicates funds of the account associated with the mobile device. ### Claim 4 (depends on 3) The data processing device of claim 3, wherein the account is one of a prepaid account, a credit account, or a debit account. ### Claim 5 (depends on 3) The data processing device of claim 3, wherein the data processing device is a computer. ### Claim 6 (depends on 1) The data processing device of claim 1, wherein the record of the transaction is provided after the transaction is complete. ### Claim 7 (depends on 6) The data processing device of claim 6, the synchronizing of the accumulator corrects a discrepancy in the transaction. ### Claim 8 (depends on 1) The data processing device of claim 1, wherein the method implemented by the processor further comprises providing warranty information to the mobile device. ### Claim 9 (depends on 1) The data processing device of claim 1, wherein the method implemented by the processor further comprises providing additional transaction records to the mobile device. ### Claim 10 (depends on 1) The data processing device of claim 1, wherein the record of the transaction is stored in a secure memory storage region at the mobile device. ### Claim 11 (depends on 10) The data processing device of claim 10, wherein the secure memory storage region is within a near field communications mechanism. ### Claim 12 (depends on 1) The data processing device of claim 1, wherein the record of the transaction is provided to the mobile device as encrypted data, wherein the encrypted data is decrypted by the mobile device. ### Claim 13 (depends on 1) The data processing device of claim 1, wherein the element in the wireless communications system is one of a plurality of mobile gateways. ### Claim 14 (depends on 13) The data processing device of claim 13, wherein each mobile gateway in the plurality of mobile gateways is associated with a particular geographical area. ### Claim 15 (depends on 13) The data processing device of claim 13, wherein each mobile gateway in the plurality of mobile gateways is associated with a particular type of mobile device. ### Claim 16 (depends on 13) The data processing device of claim 13, wherein each mobile gateway in the plurality of mobile gateways is associated with one or more of characteristics of the transaction. ### Claim 17 A method for processing data, comprising: receiving, at a data processing device, data for a transaction on an account from a point of sale terminal, the data including an actual transaction amount of the transaction, wherein at least some of the data is provided to the point of sale terminal by a mobile device that communicates with the point of sale terminal, wherein the mobile device stores an accumulator, receives an initial transaction amount of the transaction from the point of sale terminal, and adjusts the accumulator from a first accumulator value to a second accumulator value based on the initial transaction amount; processing, by the data processing device, the received data to generate a record of the transaction, wherein the record of the transaction includes the actual transaction amount; and synchronizing, by the data processing device, the accumulator stored in the mobile device by providing the record of the transaction including the actual transaction amount to an element of a wireless communications system, thereby causing the record of the transaction to be provided to the mobile device over a wireless network, wherein the mobile device adjusts the accumulator from the second accumulator value to a third accumulator value based on a difference between the actual transaction amount of the transaction and the initial transaction amount of the transaction. ### Claim 18 (depends on 17) The method of claim 17, further comprising determining that the initial transaction amount received by the mobile device from the point of sale terminal is different from the actual transaction amount, wherein the synchronizing of the accumulator is performed in response to the determining that the initial transaction amount received by the mobile device from the point of sale terminal is different from the actual transaction amount. ### Claim 19 (depends on 17) The method of claim 17, wherein the record of the transaction is stored in a secure memory storage region within a near field communications mechanism of the mobile device, and wherein the record of the transaction is provided to the mobile device as encrypted data, wherein the encrypted data is decrypted by the mobile device. ### Claim 20 (depends on 17) The method of claim 17, wherein the element in the wireless communications system is one of a plurality of mobile gateways, the method further comprising determining the wireless communications system from the plurality of mobile gateways based on one or more characteristics of a data processing system associated with the data processing device, wherein the characteristics of the data processing system include a processing load for one or more of the plurality of mobile gateways and security capabilities for one or more of the plurality of mobile gateways.