Transaction scheme for offline payment

This invention describes a way to make secure payments when your device is offline. A user enters a secret key, account details, and a time-based code into their phone. The system then combines this with the phone's unique information to create a special payment code. This code, which is specifically a barcode or QR code, is displayed on the phone for a merchant to scan, allowing the payment to be authorized later.

Why it matters: Modern mobile operating systems offer better secure enclave support for authentication keys and device binding. This makes generating robust, time-sensitive payment tokens on an offline device more feasible and secure than in 2017.

Status: Not in forceListed as no longer active. The specific reason is not in the record we hold.
How hard to build: SpecializedSoftware logic, secure server, client application.

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