HANDS-FREE OFFLINE COMMUNICATIONS

摘要

A payment processing system receives a token from a user device. Based on the first token, the payment processing system establishes a second token that remains valid longer than the first token. The payment processing system then associates the second token with a user account identifier and establishes a rescue code for use in an offline user transactions. The payment processing system then communicates the second token and the rescue code to the user device. When the user engages in an offline transaction, the payment processing system receives the rescue code and the user account identifier from the merchant computing device. Based on the user account identifier received from the merchant computing devices, the payment processing system identifies the second token and verifies that the received rescue code matches the rescue code associated with the user account identifier. Based on the verification, the payment processing system authorizes the sales transaction.

主权项

1. A computer-implemented method to complete offline exchanges of information between two computing devices, wherein the exchange requires authentication by a third computing device, comprising:
receiving, by one or more computing devices, a first token associated with a user account from a user computing device, wherein the user computing device is distinct from the one or more computing devices; in response to receiving the first token, generating, by the one or more computing devices, a second token associated with the user account, wherein the second token remains valid longer than the first token; associating, by the one or more computing devices, the second token with a user account identifier; generating, by the one or more computing devices, a code for use in an offline exchange between the user computing device and a merchant computing device; associating, by the one or more computing devices, the code with the user account identifier; communicating, by the one or more computing devices, the code and the user account identifier to the user computing device; receiving, by the one or more computing devices and from the merchant computing device, the code and the user account identifier after the user computing device communicated the code and the user account identifier to the merchant computing device while the user computing device was in an offline state with respect to the one or more computing devices, wherein the merchant computing device is distinct from both the one or more computing devices and the user computing device; identifying, by the one or more computing devices and based on the user account identifier received from the one or more merchant computing devices, the second token associated with the user account identifier; verifying, by the one or more computing devices, that the code received from the merchant computing device matches the code associated with the user account identifier; and in response to verifying that the code received from the merchant computing device matches the code associated with the user account identifier, authenticating the communication between the user computing device and the merchant computing device while the user computing device was in an offline state with respect to the one or more computing devices.