Barclays Bank Plc

Martin Fishwick

Clive Head

A system for processing mobile payment transactions is described, the system includes a mobile electronic device having a mobile wallet module for initiating payment transactions from a mobile payment account associated with a payment service provider and operable to communicate with the payment service provider via a data network to settle the payment transaction. The mobile electronic device receives and stores data defining an off-line enabled merchant interface when the mobile electronic device is connected to the data network, processes an off-line payment transaction through the stored merchant interface when the mobile electronic device is not connected to the data network, and communicates details of the off-line payment transaction to the payment service provider when the mobile electronic device is re-connected to the data network.

Growing community of inventors

Hartley, United Kingdom

Martin Fishwick