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US 11,887,104 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.
Claims20
A method comprising:
- receiving, at a wallet management system, from a mobile wallet application associated with a mobile computing device, a request for an offline token;
- in response to the receiving:
- generating, at the wallet management system, a first raw token comprising:
- mobile wallet identification data describing the mobile wallet application;
- payment element identification data describing a payment element of the mobile wallet application, the payment element including at least one of a credit card account, a debit card account, or a checking account;
- and
- sequence data;
- cryptographically sign the first raw token to generate the offline token;
- and
- transmitting the offline token to the mobile wallet application;
- receiving, at the wallet management system and from a financial institution system, an authentication request message including the offline token and payment data describing a purchase transaction requested by the mobile wallet application, the offline token including a sequence number;
- and
- in response to receiving the authentication request message:
- making a first determination that the mobile computing device is offline;
- making a second determination that the sequence number matches a next sequence number stored at the wallet management system, the next sequence number stored in association with the mobile wallet application;
- and
- based on the first determination and the second determination, sending to the financial institution system, an authentication message indicating the offline token is usable for the purchase transaction.
14 more elements
A non-transitory computer-readable medium comprising instructions, which when executed by at least one processor, configure the at least one processor to perform operations comprising:
- receiving, at a wallet management system, from a mobile wallet application associated with a mobile computing device, a request for an offline token;
- in response to the receiving:
- generating, at the wallet management system, a first raw token comprising:
- mobile wallet identification data describing the mobile wallet application;
- payment element identification data describing a payment element of the mobile wallet application, the payment element including at least one of a credit card account, a debit card account, or a checking account;
- and
- sequence data;
- cryptographically sign the first raw token to generate the offline token;
- and
- transmitting the offline token to the mobile wallet application;
- receiving, at the wallet management system and from a financial institution system, an authentication request message including the offline token and payment data describing a purchase transaction requested by the mobile wallet application, the offline token including a sequence number;
- and
- in response to receiving the authentication request message:
- making a first determination that the mobile computing device is offline;
- making a second determination that the sequence number matches a next sequence number stored at the wallet management system, the next sequence number stored in association with the mobile wallet application;
- and
- based on the first determination and the second determination, sending to the financial institution system, an authentication message indicating the offline token is usable for the purchase transaction.
14 more elements
A system comprising:
- at least one processor;
- and
- a storage device comprising instructions, which when executed by the at least one processor, configure the at least one processor to perform operations comprising:
- receiving, at a wallet management system, from a mobile wallet application associated with a mobile computing device, a request for an offline token;
- in response to the receiving:
- generating, at the wallet management system, a first raw token comprising:
- mobile wallet identification data describing the mobile wallet application;
- payment element identification data describing a payment element of the mobile wallet application, the payment element including at least one of a credit card account, a debit card account, or a checking account;
- and
- sequence data;
- cryptographically sign the first raw token to generate the offline token;
- and
- transmitting the offline token to the mobile wallet application;
- receiving, at the wallet management system and from a financial institution system, an authentication request message including the offline token and payment data describing a purchase transaction requested by the mobile wallet application, the offline token including a sequence number;
- and
- in response to receiving the authentication request message:
- making a first determination that the mobile computing device is offline;
- making a second determination that the sequence number matches a next sequence number stored at the wallet management system, the next sequence number stored in association with the mobile wallet application;
- and
- based on the first determination and the second determination, sending to the financial institution system, an authentication message indicating the offline token is usable for the purchase transaction.
17 more elements
Dependencies are inferred from the claim text.