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US 2012/0072344 A1Published application
Techniques for transaction adjustment
AssigneeMastercard International Incorporated
InventorsMichael C. Ward, Alexandru Cunescu, David A. Roberts, David Bibby
Life of this patent
Estimating the term…
Abstract
Techniques are provided for transaction adjustment. A payment device, having an offline balance, is presented to an offline terminal in connection with a putative transaction. If an irregularity with the putative transaction is detected, the offline balance is adjusted responsive to the detection. In one aspect of the invention, such adjustment can be carried out, via offline-terminal interaction, substantially without the use of a security module and cryptographic keys in the offline terminal.
Claims15
-2. (canceled)
A computer-implemented method for transaction adjustment, comprising the steps of:
- facilitating presentation of a payment device having an offline balance to an offline terminal in connection with a putative transaction;
- facilitating detection of an irregularity with said putative transaction;
- adjusting said offline balance, responsive to said detection, said adjusting being carried out, via offline-terminal interaction, substantially without the use of a security module and cryptographic keys in said offline terminal;
- and
- dispatching, from said offline terminal, a terminal-transformed number, said terminal-transformed number comprising a substantially unpredictable source number transformed in accordance with a non-invertable transformation scheme;
- wherein said adjusting step further comprises dispatching, from said offline terminal, said source number, in a form for subsequent transformation by said payment device.
3 more elements
(canceled)
A computer-implemented method for transaction adjustment, comprising the steps of:
- facilitating presentation of a payment device having an offline balance to an offline terminal in connection with a putative transaction;
- facilitating detection of an irregularity with said putative transaction;
- and
- adjusting said offline balance, responsive to said detection, said adjusting being carried out, via offline-terminal interaction, substantially without the use of a security module and cryptographic keys in said offline terminal;
- wherein:
- said offline terminal and said payment device are configured to exchange at least an on-line message request and a transaction confirmation request and to complete given transactions with no irregularities by exchanging said on-line message request followed by said transaction confirmation request;
- and
- said adjusting step comprises refraining from sending said transaction confirmation request in a case when said irregularity has been detected, whereby said putative transaction is not completed;
- further comprising the additional step of physically securing said payment device in said terminal to prevent removal of said device from said terminal prior to sending said transaction confirmation request in a case when no irregularity occurs with said transaction.
6 more elements
A computer-implemented method for transaction adjustment, comprising the steps of:
- facilitating presentation of a payment device having an offline balance to an offline terminal in connection with a putative transaction;
- facilitating detection of an irregularity with said putative transaction;
- and
- adjusting said offline balance, responsive to said detection, said adjusting being carried out, via offline-terminal interaction, substantially without the use of a security module and cryptographic keys in said offline terminal;
- wherein:
- said offline terminal and said payment device are configured to exchange at least an on-line message request and a transaction confirmation request and to complete given transactions with no irregularities by exchanging said on-line message request followed by said transaction confirmation request;
- and
- said adjusting step comprises refraining from sending said transaction confirmation request in a case when said irregularity has been detected, whereby said putative transaction is not completed;
- further comprising the additional steps of:
- detecting a number of instances of a removal of said device from said terminal prior to sending said transaction confirmation request;
- and
- blocking said device, responsive to said number of instances being at least equal to a predetermined value.
9 more elements
A computer-implemented method for transaction adjustment, comprising, the steps of:
- facilitating presentation of a payment device having an offline balance to an offline terminal in connection with a putative transaction;
- facilitating detection of an irregularity with said putative transaction;
- adjusting said offline balance, responsive to said detection, said adjusting being carried out, via offline-terminal interaction, substantially without the use of a security module and cryptographic keys in said offline terminal;
- detecting a number of instances of said putative transactions having said irregularities;
- and
- forcing said device to go on-line prior to further transactions, responsive to said number of instances being at least equal to a predetermined value.
3 more elements
-10. (canceled)
A computer-implemented method for transaction adjustment, comprising the steps of:
- facilitating presentation of a payment device having an offline balance to an offline terminal in connection with a putative transaction;
- dispatching, from said offline terminal, a terminal-transformed number, said terminal-transformed number comprising a substantially unpredictable source number transformed in accordance with a non-invertable transformation scheme;
- facilitating detection of an irregularity with said putative transaction;
- responsive to said detection of said irregularity, dispatching, from said offline terminal, said source number, in a form for subsequent transformation by said payment device.
1 more element
(canceled)
A terminal apparatus for interacting with a payment device having an offline balance, 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:
- dispatch a terminal-transformed number, said terminal-transformed number comprising a substantially unpredictable source number transformed in accordance with a non-investable transformation scheme;
- detect an irregularity with said putative transaction;
- dispatch said source number, in a form for subsequent transformation by said payment device, responsive to said detection of said irregularity.
4 more elements
A terminal apparatus for interacting with a payment device having an offline balance, 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:
- exchange an on-line message request with said payment device in connection with a putative transaction;
- exchange a transaction request with said payment device in connection with a successful putative transaction;
- and
- refrain from sending said transaction confirmation request in a ease when said putative transaction is irregular, so as to prevent completion of said putative transaction.
5 more elements
(canceled)
Dependencies are inferred from the claim text.