Patent ID: 11915232
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 19:
20. A method comprising:
in an offline mode, at a payer client device:
communicating with a payee client device regarding transaction details including at least a transaction amount for a transaction;
generating a transaction request including request transaction details indicative of at least the transaction amount for the transaction;
storing the transaction request at the payer client device; and
updating, at the payer client device, a payer available funds amount at least partially in accordance with the transaction amount;

determining, at the payer client device, whether a connection is available to at least one payment processing device for an online mode;
in response to determining, at the payer client device, that the connection is available, in the online mode, providing the transaction request to the at least one payment processing device;
in an offline mode, at the payee client device:
communicating with the payer client device regarding the transaction details including at least the transaction amount for the transaction;
generating a transaction confirmation including confirmation transaction details indicative of at least the transaction amount;
storing the transaction confirmation at the payee client device; and
updating, at the payee client device, a payee available funds amount at least partially in accordance with the transaction amount;

determining whether a connection is available to the at least one payment processing device for an online mode;
in response to determining that the connection is available, in the online mode, providing the transaction confirmation to the at least one payment processing device;
receiving, at the at least one payment processing device, the transaction request from the payer client device;
receiving, at the at least one payment processing device, the transaction confirmation from the payee client device;
comparing, at the at least one payment processing device, the request transaction details of the transaction request and the confirmation transaction details of the transaction confirmation;
determining, at the at least one payment processing device, whether there is a match between the request transaction details of the transaction request and the confirmation transaction details of the transaction confirmation; and
in response to determining there is the match, processing, at the at least one payment processing device, the transaction.