Pending deposit for payment processing system
US10192214B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Mar 11, 2013 |
| Grant date | Jan 29, 2019 |
| Priority date | — |
| Expiry date | Jan 13, 2035 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F7/1008
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Depositing funds onto smart cards for use during processing of purchases. A device creates a deposit request and transmits the request to a remote system. The remote system processes the request and transmits a deposit record to the device, which in turn transmits the record to the smart card. If the device has network access, it transmits a deposit confirmation to the remote system, which updates the smart card account to include the confirmation. If the device unable to connect to the remote system, the deposit confirmation is transmitted when the smart card is involved in a future transaction. During the future transaction, the smart card transmits its transaction history, which comprises the deposit confirmation, to the device, and the device transmits the transaction history to the remote system. The remote system updates the smart card account to include the deposit confirmation.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.