Patent ID: 9275506
Filing Date: 2016-03-01
CPC Classification: G06Q,G07F

Claim Text:
1. A method for processing a transaction at a store, comprising: storing, by control circuitry, account information for a stored value card in a memory at the store, wherein the account information for a stored value card includes at least account balance information received from a central location having stored value card account information; determining, by the control circuitry, that there is a communications failure between the store and the central location; receiving, by the control circuitry, a request to process a transaction using a stored value card; and in response to determining that there is a communication failure, processing, by the control circuitry, the transaction using the stored value card account balance information stored at the store, processing the transaction including: determining whether an amount of the transaction exceeds a maximum for off-line transactions, and in response to determining that the amount of the transaction does not exceed the maximum, updating the stored value card account balance information stored at the store.