The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 11, 2020
Filed:
Feb. 26, 2018
Applicant:
Mastercard International Incorporated, Purchase, NY (US);
Inventors:
Aaron Baker, Basingstoke, GB;
Colin Tanner, Uxbridge, GB;
Assignee:
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/02 (2012.01); G06Q 20/10 (2012.01); G06Q 20/28 (2012.01); G06Q 40/00 (2012.01); G06Q 20/36 (2012.01); G07F 7/12 (2006.01);
U.S. Cl.
CPC ...
G06Q 40/00 (2013.01); G06Q 20/105 (2013.01); G06Q 20/36 (2013.01); G06Q 20/367 (2013.01); G06Q 20/3676 (2013.01); G07F 7/127 (2013.01);
Abstract
A smart payment device is issued to a user; the device is capable of both offline and online transactions and has a total available balance split. The split is between an available offline balance and an available online balance. It is determined whether the user has entered a primarily offline environment or will imminently enter a primarily offline environment. If this is so, the total available balance split is redistributed to favor offline transactions.