Patent ID: 8370258

Claim:
A method comprising the steps of: facilitating initial presentation of a payment device to a payment terminal assembly in connection with a putative transaction, said payment device comprising a payment device memory storing a device-side payment application, with an on-device balance, and at least one payment device processor coupled to said payment device memory, said payment terminal assembly comprising a terminal memory, storing a terminal-side payment application, and at least one terminal processor coupled to said terminal memory; sending a first command from said payment terminal assembly to said payment device to compute a cryptogram to complete said putative transaction; detecting that said cryptogram is not received as expected; responsive to said detection, storing in a storage area of said terminal memory an identifier of said payment device and transaction recovery data associated with said putative transaction; obtaining, by said payment terminal assembly, said identifier of said payment device, upon re-presentation of said payment device to said payment terminal assembly; upon said re-presentation of said payment device to said payment terminal assembly, comparing, by said payment terminal assembly, of said obtained identifier of said payment device to contents of said storage area; and conditioned at least upon said comparing yielding a match, sending a second command from said payment terminal assembly to said payment device, said second command instructing said payment device to re-produce said cryptogram to complete said putative transaction.