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:
Jun. 02, 2026
Filed:
Jul. 21, 2021
Visa International Service Association, San Francisco, CA (US);
Mahdi Zamani, Palo Alto, CA (US);
Ranjit Kumaresan, Sunnyvale, CA (US);
Mihai Christodorescu, Belmont, CA (US);
Cuy Sheffield, Menlo Park, CA (US);
Benjamin Price, Rockingham, VA (US);
Wanyun Gu, Menlo Park, CA (US);
Minghua Xu, Austin, TX (US);
Srinivasan Raghuraman, Cambridge, MA (US);
Muhammad Saad, Orlando, FL (US);
Mustafa Ozdayi, Dallas, TX (US);
Mohammad Mohsen Minaei Bidgoli, San Jose, CA (US);
Sourav Das, Champaign, IL (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
A method includes a first device receiving, from a second device, an interaction request message comprising an amount and a second device certificate. The first device can verify the second device certificate using a server computer public key corresponding to a server computer private key. A trusted application in a secure element of the first device can determine whether or not the amount is less than an offline amount stored in the secure element. If the amount is less than the offline amount, the trusted application can determine an updated offline amount based on the amount. The trusted application can generate an interaction response message comprising the amount and a trusted application certificate. The first device can then provide the interaction response message to the second device.