SYSTEM FOR OFFLINE PROCESSING OF PURCHASES

摘要

Offline processing and storage of purchases is possible with the tap of a smart card to a contactless device. The smart card transmits its transaction history to the contactless device. The user may deposit funds onto the smart card, wherein the merchant enters the deposit information onto the contactless device and transmits a request to the remote system. The remote system processes the request and transmits a deposit record to the contactless device, which in turn transmits the deposit record to the smart card. The user also may withdraw funds from the smart card, wherein the contactless device determines whether the smart card has a sufficient balance available, by reading the current sum of deposits and the current sum of withdrawals from the smart card. The sum of withdrawals is current on the smart card even if the contactless device does not have network access to the remote system.