Dynamic Payment QR Codes for Offline Transaction Processing
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Solution Overview
Problem
Online transactions often require internet connectivity for authentication and processing, which is not always available, leading to incomplete transactions and inconveniences for users and vendors.
Innovation Solution
A system enabling offline transactions using a customer device with an entity-operated application that generates a QR code through an AI model, allowing transactions to be processed without internet connectivity, and a central platform to process and execute transactions when connectivity is restored.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If online transactions use real-time authentication mechanisms (OTPs, biometric scans), then transaction security is improved, but transaction availability deteriorates when internet connectivity is not available
Solution Approach 1:
The system pre-generates and stores authentication credentials and transaction templates locally on the customer device before connectivity issues occur. The offline application includes pre-loaded authentication mechanisms and transaction processing capabilities that can function independently without real-time server verification, allowing transactions to proceed when internet connectivity is unavailable.
Solution Approach 2:
The patent introduces an offline application layer as an intermediary between the customer device and the central server. This intermediary layer includes local authentication modules and transaction processing engines that can operate autonomously without continuous server connection, bridging the gap between security requirements and availability needs during connectivity outages.
2Adaptability or versatility
If offline transactions are enabled without internet connectivity, then transaction availability is improved, but transaction processing completeness deteriorates
Solution Approach 1:
The system extracts essential transaction processing capabilities from the online server environment and embeds them directly into the offline application on the customer device. This includes extracting authentication verification logic, transaction processing engines, and reconciliation mechanisms that can execute locally without requiring continuous server connectivity, ensuring complete transaction processing even in isolated environments.
Solution Approach 2:
The offline application is designed to be self-sufficient with embedded authentication mechanisms and transaction processing capabilities. The system performs self-verification of credentials, autonomous transaction processing, and local reconciliation without requiring external server intervention, ensuring complete and reliable transaction processing while maintaining availability during connectivity outages.
3Adaptability or versatility
If a robust offline transaction system is implemented, then transaction availability is improved, but device complexity increases
Solution Approach 1:
The offline application is designed as a universal multi-functional platform that handles authentication, transaction processing, reconciliation, and connectivity status monitoring within a single integrated system. This multi-functionality consolidates what would otherwise require multiple separate systems into one cohesive application, reducing overall system complexity while maintaining high availability during connectivity outages.
Data Source
AI summary
Methods, systems and apparatus for processing and executing offline transactions between a customer and a vendor are provided. Methods may include using a customer device to log into a customer account on an entity-operated application without an internet connection. The methods may include using an artificial intelligence (“AI”) model to generate a quick response (“QR”) code using data from previous transactions. The QR code may include a transaction payload with a selected value of funds. The methods may include scanning the QR code using a vendor scanning device. The methods may include transmitting the QR code to a central vendor platform. The methods may include creating an encrypted data packet by extracting data from the QR code. When an internet connection is established, the methods may include executing, at an entity-operated platform, a transfer of funds between the customer account and the vendor corresponding to a payment amount.