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Application US20190095907
Published 2019-03-28
Secure Offline Transaction System Using Digital Tokens And A Secure Ledger Database
A payer transaction device enables secure offline transactions using a secure element providing a secure payer account database, a secure ledger database, and a wallet application. While the payer transaction device is not connected to the Internet, the wallet application receives a payee identifier and a transaction amount and verifies that the transaction amount is less than an available payer account balance in the secure payer account database. In response, the wallet application creates a digital token that allocates the transaction amount from the payer account balance to the payee identifier, and records the digital token in a payer secure ledger in the secure ledger database, which reduces the available payer account balance by the transaction amount. The wallet application then transfers the digital token to a payee transaction device over a peer-to-peer wireless connection and, subsequently, the digital token is synchronized with a ledger tracking system through the Internet.
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- 1. A secure offline transaction system, comprising:
a chassis; a wireless communication subsystem located in the chassis; and a secure element subsystem that is located in the chassis and coupled to the wireless communication subsystem, wherein the secure element subsystem includes;
a secure payer account database that stores an available payer account balance;
a secure ledger database that stores a payer secure ledger; and
a wallet application that is coupled to the secure payer account database and the secure ledger database, wherein the wallet application is configured, while the wireless communication subsystem is not connected to the Internet, to:
receive a first payee identifier and a first transaction amount;
verify that the first transaction amount is less than the available payer account balance stored in the secure payer account database;
create, in response to verifying that the first transaction amount is less than the available payer account balance, a digital token that allocates the first transaction amount from the available payer account balance to the first payee identifier;
record the digital token in the payer secure ledger as part of a first transaction, wherein the recording of the digital token in the payer secure ledger reduces the available payer account balance by the first transaction amount; and
transfer, over a peer-to-peer wireless connection via the wireless communication subsystem, the digital token to a payee transaction device; and
wherein the wallet application is configured, subsequent to recording the digital token in the payer secure ledger and transferring the digital token to the payee transaction device, to:
cause the digital token to be synchronized with at least one ledger tracking system through the Internet.
- 7. A method for performing secure offline transactions, comprising:
receiving, by a wallet application included in a secure element subsystem provided on a payer transaction device while the payer transaction device is not connected to the Internet, a first payee identifier and a first transaction amount; verifying, by the wallet application while the payer transaction device is not connected to the Internet, that the first transaction amount is less than an available payer account balance stored in a secure payer account database included in the secure element subsystem provided on a payer transaction device; creating, by the wallet application in response to verifying that the first transaction amount is less than the available payer account balance and while the payer transaction device is not connected to the Internet, a digital token that allocates the first transaction amount from the available payer account balance to the first payee identifier; recording, by the wallet application as part of a first transaction while the payer transaction device is not connected to the Internet, the digital token in a payer secure ledger stored in a secure ledger database included in the secure element subsystem provided on the payer transaction device, wherein the recording of the digital token in the payer secure ledger reduces the available payer account balance by the first transaction amount; transferring, by the wallet application over a peer-to-peer wireless connection while the payer transaction device is not connected to the Internet, the digital token to a payee transaction device; and causing, by the wallet application, the digital token to be synchronized with at least one ledger tracking system through the Internet.
- 14. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
receiving, in a secure element subsystem provided on a payer transaction device while the payer transaction device is not connected to the Internet, a first payee identifier and a first transaction amount; verifying, in the secure element subsystem while the payer transaction device is not connected to the Internet, that the first transaction amount is less than an available payer account balance stored in a secure payer account database included in the secure element subsystem provided on a payer transaction device; creating, in the secure element subsystem in response to verifying that the first transaction amount is less than the available payer account balance and while the payer transaction device is not connected to the Internet, a digital token that allocates the first transaction amount from the available payer account balance to the first payee identifier; recording, in the secure element subsystem as part of a first transaction while the payer transaction device is not connected to the Internet, the digital token in a payer secure ledger stored in a secure ledger database included in the secure element subsystem provided on the payer transaction device, wherein the recording of the digital token in the payer secure ledger reduces the available payer account balance by the first transaction amount; transferring, in the secure element subsystem over a peer-to-peer wireless connection while the payer transaction device is not connected to the Internet, the digital token to a payee transaction device; and causing the digital token to be synchronized with at least one ledger tracking system through the Internet.
