Patent ID: 8090654

Claim:
A method for transaction adjustment, comprising the steps of: presenting a payment device having an offline balance in a payment device memory to a first offline terminal that is cooperatively configured with said payment device to exchange at least an on-line message request and a transaction confirmation request and to complete given transactions with no irregularities by exchanging said on-line message request followed by said transaction confirmation request, said presenting being in connection with a first putative transaction, said first putative transaction comprising a first vend having a first vend value; completing said first putative transaction by exchanging, using said payment device and said first offline terminal, at least said on-line message request and said transaction confirmation request, said first putative transaction having no irregularities; presenting said payment device to a second offline terminal that is cooperatively configured with said payment device in an identical manner as aid first offline terminal, said presenting being in connection with a second putative transaction, said second putative transaction comprising a second vend having a second vend value; detecting an irregularity with said second putative transaction, said irregularity comprising a vend failure; and adjusting said offline balance, responsive to said detection, said adjusting being carried out, via offline-terminal interaction between a processor of said at least one payment device and at least one terminal processor of said second offline terminal, communicating through a reader module of said second offline terminal, without the use of a security module and cryptographic keys in said offline terminal, wherein said adjusting comprises said second offline terminal re-crediting said payment device in a case when said irregularity has been detected, said re-crediting comprising said second offline terminal causing refunding of said vend value by requesting a refusal application authentication cryptogram from said payment device.