Patent ID: 9684896
Date: 2017-06-20
CPC Classifications: G06Q

Claim:
1. A method for conducting a transaction using a mobile device, comprising: executing an application with a digital lockbox on the mobile device; receiving a request from a user using the application for a payment code at the mobile device; determining that a wireless network is unavailable to the mobile device; retrieving an out-of-network payment code from the digital lockbox of the mobile device in response to the determination that the wireless network is unavailable, the out-of-network payment code associated with a state of disconnectivity between the mobile device and the wireless network is only to be used by the mobile device when the wireless network is unavailable; providing the retrieved out-of-network payment code to a point of sale terminal to authorize the transaction; and communicating, using the application, with a payment authority server to receive a replacement out-of-network payment code for the digital lockbox in response to the mobile device reconnecting to the wireless network.