ALEXANDRIA, Va., June 19 -- United States Patent no. 12,333,524, issued on June 17, was assigned to Wells Fargo Bank N.A. (San Francisco).
"Mobile wallet with offline payment" was invented by Joon Maeng (Newcastle, Wash.).
According to the abstract* released by the U.S. Patent & Trademark Office: "Various examples are directed to systems and methods for processing offline payments from a mobile wallet. A computing system may receive, from a financial institution system, an authentication request message comprising a first offline token. The computing system may determine that the mobile wallet application is not online and determine that the first offline toke comprises first offline token data that matches the first offline token referen...