Transaction scheme for offline payment

This system enables secure offline payments using a mobile phone. A central server receives user account and device information, then generates a unique authentication code tied to the user's device and a time-sensitive password. This code and password are combined into a QR code displayed on the user's phone, which a merchant can scan to authorize a payment without needing an immediate online connection. The server can also be responsible for generating the initial authentication factor.

Why it matters: Filed before the widespread need for resilient payment systems in areas with intermittent connectivity. The claims describe a system that could enable payments in such environments, addressing a growing demand for robust offline transaction capabilities.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedSecure server, mobile app, cryptographic logic.

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