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US 11,107,066 B1Granted
Mobile wallet with offline payment
AssigneeWells Fargo Bank, N.A.
InventorJoon Maeng
Life of this patent
Estimating the term…
Abstract
Various examples are directed to systems and methods for processing offline payments from a mobile wallet. A computing system may receive, from a financial institution system, an authentication request message comprising a first offline token. The computing system may determine that the mobile wallet application is not online and determine that the first offline toke comprises first offline token data that matches the first offline token reference data. The computing system may send to the financial institution system a first authentication message indicating that the first offline token is associated with the mobile wallet application.
Claims17
A non-transitory computer-readable comprising instructions, which when executed by at least one processor of a wallet management system, configure the at least one processor to:
- receive from a financial institution system, an authentication request message comprising a first offline token and payment data describing a purchase transaction requested by a mobile wallet application associated with a first mobile computing device;
- make a first determination that the first offline token comprises first offline token data that matches first offline token reference data stored at the wallet management system and associated with the mobile wallet application, the first offline token data including a payment amount limit condition and a sequence number;
- make a second determination that the first 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;
- make a third determination that determine whether the purchase transaction is for a value less than the payment amount limit condition;
- make a fourth determination that data storage of the wallet management system does not include a lost mobile computing device message indicating that a mobile computing device executing the mobile wallet application has been reported missing;
- make a fifth determination that the sequence number matches a next sequence number stored at the data storage in association with the mobile wallet application;
- and
- after making the first, second, third, fourth, and fifth determinations, send to the financial institution system, a first authentication message indicating that the first offline token is usable for the purchase transaction.
5 more elements
A system comprising:
- at least one processor and operatively associated data storage, wherein the data storage comprises first offline token reference data, and wherein the at least one processor is configured to:
- receive, from a financial institution system, an authentication request message comprising a first offline token, wherein the authentication request message indicates a mobile wallet application;
- determine that the mobile wallet application is not online based on a determination that a threshold period of time has passed since a last received heartbeat from the mobile wallet by comparing a current time to a timestamp of the last received heartbeat;
- after determining that the mobile wallet application is not online, determine that the first offline token comprises first offline token data that matches the first offline token reference data, the offline token data including a payment amount limit condition and a sequence number;
- send to the financial institution system, in response to determining that the payment amount limit condition is satisfied, a first authentication message indicating that the first offline token is associated with the mobile wallet application;
- and
- prior to the sending of the first authentication message:
- determine that the data storage does not include a lost mobile computing device message indicating that a mobile computing device executing the mobile wallet application has been reported missing;
- and
- determine that the sequence number matches a next sequence number stored at the data storage in association with the mobile wallet application.
7 more elements
A method, comprising:
- receiving, from a point-of-sale (POS) device, a first payment authorization request message comprising a first offline token and payment data describing a payment requested by a mobile wallet application, the first offline token including a payment amount limit condition and a sequence number;
- sending, to a wallet management system, in response to determining that the payment data indicates a transaction value less than the payment amount limit condition, an authentication request message comprising the first offline token;
- receiving, from the wallet management system, a first authentication message indicating that the payment can be completed, wherein the wallet management system determines:
- that the mobile wallet application is not online, based on a determination that a threshold period of time has passed since a last received heartbeat from the mobile wallet using a comparison of a current time to a timestamp of the last received heartbeat, before sending the first authentication message;
- that data storage of the wallet management system does not include a lost mobile computing device message indicating that a mobile computing device executing the mobile wallet application has been reported missing;
- and
- that the sequence number matches a next sequence number stored at the data storage in association with the mobile wallet application;
- and
- sending, to the POS device, a first purchase transaction authorization message.
6 more elements
Dependencies are inferred from the claim text.