Payment apparatus and method
AssigneeMastercard International Incorporated
InventorsAlexandru Cunescu, David Roberts, David Bibby
Life of this patent
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Abstract
Techniques are provided for updating an offline parameter of a payment device having an online-capable application and a primarily offline application. The offline parameter can be a counter reflective of an offline spending balance. The same parameter can be shared between the applications, or cross-application visibility of the parameter can be provided. When a requirement to update the offline parameter is determined, the offline parameter can be updated substantially contemporaneously with an online transaction. The updates can be transparent to the user, allowing substantial duplication of the debit card and/or credit card experience with an offline payment device.
Claims25
A computer-implemented method of updating an offline parameter of a payment device having an online-capable application and a primarily offline application, said offline parameter being a parameter of said primarily offline application, said method comprising the steps of:
- detecting a requirement to update said offline parameter;
- and
- updating said offline parameter substantially contemporaneously with a separate online transaction.
A payment apparatus comprising:
- a body portion;
- a memory associated with said body portion, said memory containing:
- an online-capable application;
- and
- a primarily offline application having an offline parameter;
- and
- at least one processor associated with said body portion and coupled to said memory, said processor being operative to:
- detect a requirement to update said offline parameter;
- and
- update said offline parameter substantially contemporaneously with an online transaction.
A terminal apparatus for interacting with a payment device having an online-capable application and a primarily offline application with an offline parameter, said terminal apparatus comprising:
- a reader module;
- a memory associated with said reader module;
- and
- at least one processor coupled to said memory, said processor being operative to:
- detect a requirement to update said offline parameter;
- and
- update said offline parameter substantially contemporaneously with a separate online transaction.
An article of manufacture for updating an offline parameter of a payment device having an online-capable application and a primarily offline application, said offline parameter being a parameter of said primarily offline application, said article of manufacture comprising a machine readable medium containing one or more programs which when executed implement the steps of:
- detecting a requirement to update said offline parameter;
- and
- updating said offline parameter substantially contemporaneously with a separate online transaction.
Dependencies are inferred from the claim text.