Patent ID: 11887104
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. 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.