M-Commerce Offline Payment

During the ongoing COVID-19 Pandemic we have seen a surge in online transactions. The current wallet payment architecture requires online connectivity during transactions. It is observed that there is a possibility of not getting connected to the Internet due to various reasons. We are working on a solution to enable offline transactions due to any internet failure. We identify three main scenarios where fully offline transaction capability is considered to be beneficial for both merchants and consumers. It includes making purchases in locations without online connectivity, when a reliable connection is not guaranteed, and when it is cheaper to carry out offline transactions due to higher communication/payment processing costs involved in online approvals. Our work aims to address the challenge of providing secure offline transaction capability when there is no online connectivity keeping in mind to not compromise any security features in our M-Commerce offline wallet payment application.