Secure offline transaction system using digital tokens and a secure ledger database

A method for performing secure offline transactions, comprising:

• establishing, responsive to a transaction being initiated between a payer device and a payee device and further responsive to the payer device not able to connect to the Internet to complete the transaction, a first peer-to-peer wireless connection between the payer device and the payee device;
• transferring, by a wallet application on a secure element subsystem of the payer device and over the first peer-to-peer wireless connection while the payer device is not connected to the Internet, a digital token to the payee device, the digital token indicating allocation of a first transaction amount from an available payer account balance to a first payee identifier;
• establishing an ad-hoc network with at least one local device using at least one peer-to-peer wireless connection;
• synchronizing, based on the transaction, a payer secure ledger at the secure element subsystem, associated with the payer device, and at least one local secure ledger associated with the at least one local device;
• establishing an Internet connection responsive to determining availability of the Internet to the payer device;
• and
• transmitting, by the wallet application over the Internet connection, the digital token to a ledger tracking system for completing the transaction.

A non-transitory machine-readable medium having instructions stored thereon, the instructions executable to cause performance of operations comprising:

• establishing, for a transaction being initiated between a payer device and a payee device and responsive to the payer device not able to connect to the Internet to complete the transaction, a first peer-to-peer wireless connection between the payer device and the payee device;
• transferring, by a wallet application on a secure element subsystem of the payer device and over the first peer-to-peer wireless connection while the payer device is not connected to the Internet, a digital token to the payee device, the digital token indicating allocation of a first transaction amount from an available payer account balance to a first payee identifier, the available payer account balance indicated by a payer secure ledger at the secure element subsystem;
• establishing an ad-hoc network with at least one local device using at least one peer-to-peer wireless connection;
• synchronizing, based on the transaction, the payer secure ledger, associated with the payer device, and at least one local secure ledger associated with the at least one local device;
• and
• transmitting, responsive to establishing an Internet connection at the payer device, by the wallet application over the Internet connection, the digital token to a ledger tracking system for completing the transaction.