Apparatus, method, and computer program product for recovering torn smart payment device transactions
US10181121B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jan 30, 2013 |
| Grant date | Jan 15, 2019 |
| Priority date | — |
| Expiry date | Aug 21, 2034 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F7/12
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A first command is sent from a payment terminal assembly to a payment device with an on-device balance to compute a cryptogram to complete a putative transaction. It is detected that the cryptogram is not received as expected. In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of a terminal memory of the payment terminal assembly. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device. Upon such re-presentation, the payment terminal assembly compares the obtained identifier of the payment device to contents of the storage area. Conditioned at least upon the comparing yielding a match, a second command is sent from the payment terminal assembly to the payment device to instruct the payment device to re-produce the cryptogram to complete the putative transaction.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.