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

Claim 18:
19. A system for performing a transaction, the system comprising:
a payee client device, a payer client device, and at least one payment processing device;
wherein at least one of the payer client device and the payee client device is configured to establish a short range wireless communications channel between the payee and payer client devices, in an offline mode, to determine transaction details including at least a transaction amount; and
wherein the payer client device comprises a payer client device processor and a payer client device memory storing instructions for a payer payment application that, when executed by the payer client device processor, direct the payer client device to:
in an offline mode:
communicate with the payee client device regarding the transaction details via the short range wireless communications channel;
generate a transaction request including request transaction details indicative of at least the transaction amount, a payer identifier, a payee identifier, a transaction identifier, and information encrypted using a secret key;
store the transaction request; and
update, at the payer client device, a payer available funds amount at least partially in accordance with the transaction amount;

determine whether a connection is available to the at least one payment processing device for an online mode; and
in response to a determination that the connection is available, in the online mode:
provide the transaction request to the at least one payment processing device;

wherein the payee client device comprises a payee client device processor and a payee client device memory storing instructions for a payee payment application that, when executed by the payee client device processor, direct the payee client device to:
in an offline mode:
communicate with the payer client device regarding the transaction details via the short range wireless communications channel;
generate a transaction confirmation including confirmation transaction details indicative of at least the transaction amount;
store the transaction confirmation; and
update, at the payee client device, a payee available funds amount at least partially in accordance with the transaction amount;

determine whether a connection is available to the at least one payment processing device for an online mode; and
in response to a determination that the connection is available, in the online mode:
provide the transaction confirmation to the at least one payment processing device; and

wherein the at least one payment processing device comprises a processor and a memory storing instructions that direct the at least one payment processing device to:
receive the transaction request from the payer client device;
receive the transaction confirmation from the payee client device;
compare the request transaction details of the transaction request and the confirmation transaction details of the transaction confirmation;
determine 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 a determination of the match, process the transaction.