Processing mobile payments when disconnected from payment servers

This invention describes a method for a merchant to process mobile payments. The merchant's computing device identifies the transaction details, including the amount, and sends a payment request to a customer's mobile device. The system is designed so that the merchant's device communicates with a cloud-based service, which operates as a software-as-a-service platform.

Why it matters: The increasing adoption of secure multi-device identity management and passkey technology since 2023 could simplify the secure transfer of offline payment capabilities between user devices, a complex feature envisioned in the original concept.

Status: Not in forceListed as no longer active.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

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