Processing electronic payment transactions in offline-mode

US11210641B2 · kind B2 · utility

Assignee

• INC SQUARE, CO., LTD · JP

Inventors

• Brian Grassadonia · San Francisco, US
• Jesse Wilson · Waterloo, CA

Key dates

• Filing date: Jul 9, 2018
• Grant date: Dec 28, 2021
• Expiry date: Apr 11, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

In some examples, methods and systems may process one or more payment transactions between a payee and a payor by establishing a short-range communication channel between a first computing device associated with the payee and a second computing device associated with the payor. The method includes receiving, by the first computing device and from the second computing and while the first computing device and the second computing device are offline with respect to a transaction processing system, first payment information including an identifier corresponding to the second user; sending, by the first computing device to the second computing device while the first computing device and the second computing device are offline with respect to the transaction processing system, second payment information that includes an identifier corresponding to the first user; establishing, by the first computing device, a long-range communication channel with the transaction processing system; and transmitting a transaction request by the first computing device to the transaction processing system based on the identifier corresponding to the second user.