Offline Mobile Wallet Transaction Validation via Cryptographic Segmentation
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Solution Overview
Problem
Existing mobile wallet systems are unsuitable for offline transactions due to their reliance on online connectivity to validate payments, limiting their use in situations without data-capable connections.
Innovation Solution
A transaction system and method that allows offline transactions by enabling payee and payer client devices to communicate and update funds locally, with transaction requests and confirmations generated and stored during offline mode, and validated by payment processing devices upon reconnection, ensuring security and reducing fraudulent activities.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If mobile wallet systems use online validation protocols, then transaction security is improved, but offline transaction capability deteriorates
Solution Approach 1:
The patent segments the transaction validation process into two independent parts: (1) offline generation and storage of transaction requests with cryptographic signatures, and (2) online validation by the payment system. This segmentation allows the mobile wallet to operate securely offline while maintaining security through later online validation, resolving the contradiction between security and offline capability.
Solution Approach 2:
The patent implements preliminary action by generating and storing signed transaction requests in advance during offline mode. The transaction request includes a cryptographic signature created before online connection is available. This preliminary action enables offline transaction initiation while ensuring security through subsequent online validation of the pre-created signature.
2Object-affected harmful factors
If mobile wallet communicates with payment system for validation, then fraudulent activities are reduced, but data connection requirement increases
Solution Approach 1:
The patent extracts the core security element (cryptographic signature) from the online communication requirement. By taking out the authentication mechanism and embedding it locally in the transaction request, the system reduces fraudulent activities through cryptographic verification while eliminating the need for continuous data connection during transaction initiation.
Solution Approach 2:
The patent creates a self-contained copy of the authentication mechanism by including the merchant's public key and the payer's cryptographic signature within the transaction request. This copied authentication data allows the transaction to be validated offline, reducing fraudulent activities without requiring real-time connection to the payment system.
3Ease of operation
If transaction validation is performed offline, then connectivity requirement is reduced, but transaction security verification deteriorates
Solution Approach 1:
The patent introduces cryptographic signatures as an intermediary that bridges offline operation and security verification. The signature acts as a mediator that carries authentication information offline, allowing security verification to occur later through online validation of this intermediary element, thus maintaining both ease of offline operation and reliability of security verification.
Data Source
AI summary
A method is provided for performing a transaction. The method includes, in an offline mode, payee and payer devices communicating to determine transaction details including a transaction amount. A payer payment application generates a transaction request including request transaction details, stores the transaction request, and updates a payer available funds amount at least partially in accordance with the transaction amount. A payee payment application generates a transaction confirmation including confirmation transaction details, stores the transaction confirmation, and updates a payee available funds amount at least partially in accordance with the transaction amount. In an online mode, the payer payment application provides the transaction request to a payment processing device, the payee payment application provides the transaction confirmation to the payment processing device, and the payment processing device compares the request transaction details and confirmation transaction details and causes the transaction to be selectively performed depending on results of the comparison.