Techniques for transaction adjustment

US8090654B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Michael Ward · San Francisco, US
• Alexandru Cunescu · Brussels, BE
• David Anthony Roberts · Petworth, GB
• David Bibby · Cave Creek, US

Key dates

• Filing date: Mar 9, 2007
• Grant date: Jan 3, 2012
• Expiry date: Nov 18, 2028

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/0866
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Techniques are provided for transaction adjustment. A payment device, having an offline balance, is presented to an offline terminal in connection with a putative transaction. If an irregularity with the putative transaction is detected, the offline balance is adjusted responsive to the detection. In one aspect of the invention, such adjustment can be carried out, via offline-terminal interaction, substantially without the use of a security module and cryptographic keys in the offline terminal.