Patent ID: 8498938
Filing Date: 2013-07-30
Classification: G06Q,H04M

Abstract:
1. A method for retroactively conducting a financial transaction linked to an account at an electronic device temporarily disconnected from a host computer system, the method comprising: receiving, by the electronic device, instructions to complete the financial transaction; determining, by the electronic device, a network connection to the host computer system is unavailable; storing, by the electronic device, the instructions to complete the financial transaction at least until the network connection to the host computer system is available; after a period of time, polling, by the electronic device, the network connection to determine that the host computer system is available; transmitting, from the electronic device to the host computer system, the instructions to complete the financial transaction and a timestamp indicating when the set of financial data was received at the electronic device; receiving, at the host computer system, the instructions to complete the financial transaction and the timestamp; determining, at the host computer system, the financial transaction is eligible to be retroactively applied to the account; retroactively applying, at the host computer system, the financial transaction to the account with the financial transaction at a time linked to the timestamp; and adjusting, at the host computer system, a credit or debit of the account based on the account being retroactively adjusted by the financial transaction.