Apparatus and method for dynamic offline balance management for preauthorized smart cards

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United States of America Patent

PATENT NO 9911154
SERIAL NO

12832288

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions.

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First Claim

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Patent Owner(s)

  • MASTERCARD INTERNATIONAL INCORPORATED

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Baker, Aaron Basingstoke, GB 17 202
Tanner, Colin Middlesex, GB 36 776

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