Patent ID: 9020858
Filing Date: 2015-04-28
Classification: G06Q,G07F

Abstract:
1. A computer-implemented method for providing offline payment processing of purchases, comprising: receiving, by a mobile communication device via a network connection with a computer managing smart card device accounts, smart card device account numbers and corresponding verification numbers for a plurality of smart card devices; terminating, by the mobile communication device, the network connection to the computer managing the smart card device accounts; establishing, by the mobile communication device, a communication channel with a smart card device while the mobile communication device is without a network connection to the computer managing the smart card device accounts; receiving, by the mobile communication device and from the smart card device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, a smart card device account number, a verification number, and a transaction history comprising a listing of previous deposit transactions and a listing of previous withdrawal transactions; calculating, by the mobile communication device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, an amount of previous withdrawals using the listing of previous withdrawal transactions and an amount of previous deposits using the listing of previous deposit transactions; and authorizing, by the mobile communication device while the mobile communication device is without a network connection to the computer managing the smart card device accounts, an offline transaction with the smart card device by determining that the smart card device account number and the verification number received from the smart card device matches a smart card device account number and a corresponding verification number received from the computer managing the smart card device accounts and by determining that a current transaction amount is less than or equal to a difference between the amount of previous deposits and the amount of the previous withdrawals.