APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR RECOVERING TORN SMART PAYMENT DEVICE TRANSACTIONS

摘要

Initial presentation of a payment device to a payment terminal assembly, in connection with a putative transaction, is facilitated The payment device includes a payment device memory stonng a device-side payment application, with an on-device balance, and at least one payment device processor coupled to the payment device memory The payment terminal assembly includes a terminal memory, stonng a terminal-side payment application, and at least one terminal processor coupled to the terminal memory A first command is sent from the payment terminal assembly to the payment device to compute a cryptogram to complete the 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 the terminal memory