Visa International Service Association

Girish Balakrishna Hegde

Deepak Dhiman

Systems, methods, and computer readable media for performing mobile interactions using a mobile communication device and an access device without a connection to a data network. An access device can provide the mobile communication device with a value request message requesting access tokens for an interaction. The mobile communication device provides access data including a plurality of access tokens to the access device. The access device can use the access tokens to gain access to value elements stored in data lockers of the mobile communication device. Upon receipt of the value elements, the access device may provide the mobile communication device with access to a resource.

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Fremont, CA, United States of America

Girish Balakrishna Hegde