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US 11,636,466 B2Granted
Offline coin protocol
AssigneeMastercard International Incorporated
InventorsErick Andrew, Issidor Iliev, Naveen Garg
Life of this patent
Estimating the term…
Abstract
Systems, methods, apparatus, computer program code and means are provided to operate a first device to receive a coin having value from a second device while offline.
Claims16
A computerized method for operating a first device to receive a coin having value from a second device while both the first device and the second device are offline, comprising:
- receiving, by a first device running a digital wallet application over a local communication channel established with a second device running the same digital wallet application, information to confirm the validity of the second device;
- receiving, by the first device over the local communication channel, a coin transfer message from the second device, the coin transfer message including coin information;
- receiving, by the first device over a channel other than the local communication channel, a passcode from a user of the second device;
- verifying, by the first device, information in the coin transfer message using the passcode;
- generating, by the first device, a hash of the coin information using a PIN associated with the first device;
- and
- initiating, by the first device, an online connection with a coin service provider to verify and update ownership information associated with the coin.
4 more elements
A non-transitory computer-readable medium storing instructions that, when executed by a processor of a first device that is offline, cause the processor to perform a value transfer method comprising:
- receiving, over a local communication channel by a digital wallet application, information to confirm the validity of a second device running the same digital wallet application, wherein the second device is also offline;
- receiving, over the local communication channel by the digital wallet application, a coin transfer message from the second device, the coin transfer message including coin information;
- receiving, over a channel other than the local communication channel, a passcode from a user of the second device;
- verifying information in the coin transfer message using the passcode;
- generating a hash of the coin information using a PIN associated with the first device and
- initiating an online connection with a coin service provider to verify and update ownership information associated with the coin.
3 more elements
Dependencies are inferred from the claim text.