Apparatus, method, and computer program product for recovering torn smart payment device transactions
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United States of America Patent
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Feb 5, 2013
Grant Date -
Oct 28, 2010
app pub date -
Apr 28, 2010
filing date -
Apr 28, 2009
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A first command is sent from a payment terminal assembly to a payment device with an on-device balance to compute a cryptogram to complete a putative transaction. It is detected that the cryptogram is not received as expected. In response, an identifier of the payment device and transaction recovery data associated with the putative transaction are stored in a storage area of a terminal memory of the payment terminal assembly. The payment terminal assembly obtains the identifier of the payment device, upon re-presentation of the payment device. Upon such re-presentation, the payment terminal assembly compares the obtained identifier of the payment device to contents of the storage area. Conditioned at least upon the comparing yielding a match, a second command is sent from the payment terminal assembly to the payment device to instruct the payment device to re-produce the cryptogram to complete the putative transaction.
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