WO2020044073A1

WO2020044073A1 - System for enabling digital payments without using the internet

Info

Publication number: WO2020044073A1
Application number: PCT/IB2018/056477
Authority: WO
Inventors: Raj Tore
Original assignee: Raj Tore
Priority date: 2018-08-27
Filing date: 2018-08-27
Publication date: 2020-03-05

Abstract

System for enabling digital payment without using the internet is disclosed. The system comprises a first digital wallet device that includes a first short-range communication module and a first processor. The system further comprises a second digital wallet device that includes a second-short range communication module and a second processor. The first digital wallet and the second digital wallet establish communication with each other via the first-short range communication module and the second-short range communication module, when the first digital wallet and the second digital wallet are within a communication range. The first processor prepares at least a first encrypted message that is communicated to the second digital wallet via the first short-range communication module. The second processor receives the first encrypted message sent via the first-short range communication module. The second processor decrypts the first encrypted message to receive the digital payment from the first digital wallet.

Description

SYSTEM FOR ENABUING DIGITAU PAYMENTS WITHOUT USING THE

INTERNET

BACKGROUND

Field of invention:

[001] The subject matter in general relates to the field of payment architectures. More particularly, but not exclusively, the subject matter relates to a system for enabling digital payments between digital wallet devices without using the internet.

Discussion of related art:

[002] With the increase in usage of computing networks, people have relied on electronic transactions or digital payments for transferring/receiving their money. Digital payments are convenient for people since they are fast and can be performed from many places, as an electronic device and internet connection is what is required. People do not have to visit banks for sending/receiving money.

[003] Conventional digital payment systems have been proposed that enable users to transfer/receive their money. However, the conventional systems rely on the internet. The internet has been increasingly popular over the years, but there may be some risks. Due to the increase in the number of internet users worldwide, internet connected devices for digital payment may be prone to hacking. Once hacked, persons may gain access to confidential information and steal money. The internet may also be used as a source for providing false information where people may fraud users, which again leads to loss in money. There are also times where users transfer/receive a large amount of money online. Due to this, relying on the internet may not always be suitable for sending/receiving money, mainly due to security reasons.

[004] Thus, the conventional systems fail to solve the above-mentions problems resulting in security issues while performing digital payments between one or more device.

[005] In view of the foregoing discussion, there is a need to overcome the above- mentioned problems by providing a system that enables electronic transactions or digital payments without using the internet.

SUMMARY

[006] Accordingly, an improved technique to overcome the above problems is needed. To fulfill this need, a system that enables digital payments without using the internet is disclosed.

[007] In one embodiment, a system for enabling digital payment without using the internet is disclosed. The system comprises a first digital wallet device that includes a first short-range communication module and a first processor. In addition, the system comprises a second digital wallet device that includes a second-short range communication module and a second processor. The first digital wallet and the second digital wallet are operable to establish communication with each other via the first-short range communication module and the second- short range communication module, when the first digital wallet and the second digital wallet are within a communication range. The first processor prepares at least a first encrypted message that is communicated to the second digital wallet via the first short-range communication module. The second processor receives the first encrypted message sent via the first-short range communication module. The second processor decrypts the first encrypted message to receive the digital payment from the first digital wallet.

[008] Other objects, features, and advantages of the present invention will become apparent from the following detailed description. It should be however understood that the detailed description and specific examples, while indicating preferred embodiments of the present invention, are given by way of illustration only and various modifications may naturally be performed without deviating from the present invention.

BRIEF DESCRIPTION OF DIAGRAMS

[009] This disclosure is illustrated by way of example and not limitation in the accompanying figures. Elements illustrated in the figures are not necessarily drawn to scale, in which like references indicate similar elements and in which:

[010] FIG. 1 is an exemplary working environment of a system 100 for enabling a digital payment between a first digital wallet 102 and a second digital wallet 104 placed within a short communication range, in accordance with an embodiment;

[Oil] FIG. 2 is an exemplary architecture of a system 200 for enabling a digital payment between the first digital wallet 102 and the second digital wallet 104 placed beyond a short communication range, in accordance with an embodiment;

[012] FIG. 3 is a block diagram of the first digital wallet 102 depicting additional components, in accordance with an embodiment; [013] FIG. 4 is a block diagram of the second digital wallet 104 depicting additional components, in accordance with an embodiment;

[014] FIG. 5 is a block diagram of a remote server 108 of FIG. 2 depicting additional components, in accordance with an embodiment;

[015] FIG. 6 is an exemplary block diagram illustrating hardware components the first digital wallet 102, in accordance with an embodiment;

[016] FIG. 7 is an exemplary block diagram illustrating additional hardware components of the first digital wallet 102, in accordance with an embodiment;

[017] FIG. 8 illustrates an exemplary method 800 illustrating a flowchart for enabling a digital payment between the first digital wallet 102 and the second digital wallet 104 placed within a short communication range, in accordance with an embodiment;

[018] FIG. 9 illustrates an exemplary method 900 illustrating a flowchart for decrypting a request message sent from the second digital wallet 104 to the first digital wallet 102, in accordance with an embodiment;

[019] FIG. 10 illustrates an exemplary method 1000 illustrating a flowchart for verifying successful and failed digital payments based on biometric authentication of fingerprints of a user, in accordance with an embodiment; and

[020] FIG. 11 illustrates an exemplary system architecture of the first digital wallet 102 in accordance with an embodiment.

DETAILED DESCRIPTION OF THE INVENTION

[021] The following detailed description includes references to the accompanying drawings, which form part of the detailed description. The drawings show illustrations in accordance with example embodiments. These example embodiments are described in enough details to enable those skilled in the art to practice the present subject matter. However, it will be apparent to one of ordinary skill in the art that the present invention may be practised without these specific details. In other instances, well-known methods, procedures and components have not been described in detail so as not to unnecessarily obscure aspects of the embodiments. The embodiments can be combined, other embodiments can be utilized, or structural and logical changes can be made without departing from the scope of the invention. The following detailed description is, therefore, not to be taken as a limiting sense.

[022] In this document, the terms“a” or“an” are used, as is common in patent documents, to include one or more than one. In this document, the term“or” is used to refer to a non exclusive“or,” such that“A or B” includes“Abut not B,”“B but not A,” and“A and B,” unless otherwise indicated.

[023] It should be understood that the capabilities of the invention described in the present disclosure and elements shown in the figures may be implemented in various forms of hardware, firmware, software, non-transitory computer readable medium or combinations thereof.

[024] FIG. 1 is an exemplary architecture of a system 100 for enabling a digital payment between a first digital wallet 102 and a second digital wallet 104 placed within a short communication range, in accordance with an embodiment. In one embodiment, short communication range may include communication protocols that function when communication devices are within vicinity (typically“personal area”), and examples include near-field communication and BLUETOOTH, among others. Digital payment may refer to payment made through banking cards, mobile payment applications, mobile wallets, bank pre paid cards, micro banking, point of sale and the like. The digital payment may be enabled upon successful pairing of the first digital wallet 102 and the second digital wallet 104, when placed near each other. The first digital wallet 102 and the second digital wallet 104 may include, but not limited to, stand-alone digital wallet device, a mobile device, a wrist-watch, a personal computer (PC), a tablet, a smartphone, a personal digital assistant (PDA) and the like.

[025] FIG. 2 is an exemplary architecture of a system 200 for enabling a digital payment between the first digital wallet 102 and the second digital wallet 104 placed beyond a short communication range, in accordance with an embodiment. As shown, the system 200 may further include a network 106 and a remote server 110. In one embodiment, beyond a short communication range may indicate that the first digital wallet 102 and the second digital wallet are placed remotely from each other. The first digital wallet 102 and the second digital wallet are communicatively coupled to the network 106. The remote server 108 may be configured to enable digital payments between the first digital wallet 102 and the second digital wallet 104. The first digital wallet 102 and the second digital wallet 104 may communicate with the remote server 108 via the network 106.

[026] The network 106 may be a wired network, a wireless network or a combination thereof. Furthermore, the network 106 may include a wide area network (WAN) (e.g., the Internet), or other interconnected data paths across which multiple devices and/or entities may communicate. In some implementations, the network 106 may include a peer-to-peer network. The network 106 may also include a mobile data network that may include third-generation (3G), fourth-generation (4G), long-term evolution (LTE), long-term evolution advanced (LTE- A), Voice-over-LTE (“VoLTE”) or any other mobile data network or combination of mobile data networks.

[027] FIG. 3 is a block diagram of the first digital wallet 102 depicting additional components, in accordance with an embodiment. As shown, the first digital wallet 102 may include a first short-range communication module 302, a first processor 304, a first cellular network module 312, a biometric authentication module 314, an illumination module 316, and a first wallet database 318. The first processor 304 may include a first encryption message preparation module 306, an encrypted message request receiving module 308, and a decryption module 310. Each component is explained in further detail below.

[028] In one embodiment, the first short-range communication module 302 may be configured to establish communication between the first digital wallet 102 and the second digital wallet 104. In one example embodiment, the first short-range communication module 302 may be a wireless personal area network module, a near-field communication module, a BLUETOOTH module, and the like. Short-range communication may be established when the first digital wallet 102 and the second digital wallet 104 are near each other.

[029] Further, the first encryption message preparation module 306 may be configured to prepare at least a first encryption message, which may be communicated to the second digital wallet 104 via the first short-range communication module 302. The first encryption message may include a unique identifier that identifies the user of the first digital wallet 102. For example, the unique identifier may pertain to information regarding the user such as name, age, occupation, account number, transaction history, and the like.

[030] The first encryption message may also include information corresponding to an amount of money to be transferred from the first digital wallet 102. The user may set a maximum amount of money that may be transferred from the first digital wallet 102 to the second digital wallet 104. Once the maximum amount is set, money is then debited from the user’s bank account and credited to a first wallet main account associated with the digital payments performed by the first digital wallet 102. The user may also reset the maximum amount balance limit anytime. If the maximum amount balance limit is higher than the money present in the first wallet main account, then the difference amount between the first wallet main account and the maximum account balance limit is credited directly into the first wallet main account.

[031] Further, the encrypted message request receiving module 308 may be configured to receive at least an encrypted request message prepared by the second digital wallet 104. The encrypted request message is communicated from the second digital wallet 104 to the first digital wallet 102. The encrypted request message may include a unique identifier that identifies the user of the second digital wallet 104. For example, the unique identifier may pertain to information regarding the user such as name, age, occupation, account number, transaction history, and the like. The encrypted request message may also include information corresponding to an amount of money to be transferred to the first digital wallet 102.

[032] Further, the decryption module 310 may be configured to decrypt the encrypted request message. The request message may be written in a unique language that only the first digital wallet 102 can interpret, and not any other device. Upon successful decryption of the request message, the digital payment may be transferred from the second digital wallet 104 to the first digital wallet 102.

[033] Further, the first digital wallet 102 may include a first cellular network module 312. The first cellular network module 312 may be configured to allow the first digital wallet 102 to communicate with the remote server 108. The first cellular network module 312 may be a wireless network.

[034] In one embodiment, the biometric authentication module 314 may be configured to facilitate processing of digital payments between the first digital wallet 102 and the second digital wallet 104 via fingerprint authentication of the user. The first digital wallet 102 includes a scanner on which the user may scan his/her fingerprint. The first digital wallet 102 then examines the user’s finger, and upon successful authentication, the user has the option to transfer his/her money.

[035] Further, the illumination module 316 may use inputs from the biometric authentication module 314. The illumination module 316 may be configured to display colours on an indicator present on the first digital wallet 102. The colours depict whether the digital payment to the user of the first digital wallet 102 succeeded or failed. Light of a first colour may be depicted when the first digital wallet 102 is within a prescribed vicinity of the second digital wallet 104. In one example, the first colour may be yellow. Light of a second colour may be depicted upon a successful digital payment. In one example, the second colour may be green. Light of a third colour may be depicted upon a failed digital payment. In one example, the third colour may be red. The light of colours may make it easier for users to understand whether their digital payment has been successful or not, as they get an immediate result and they don’t have to spend time researching about it in the future.

[036] Further, the first wallet database 318 may be configured to store and keep record of all the digital payments that have been transferred from the first digital wallet 102 and received by the first digital wallet 102. All digital payments are updated and stored in the first wallet database 318 at regular time periods (for example daily, weekly, monthly). In one example, information relating to payment methods, billing address, transfer history, payee details (name, account number, bank and the like), user profile, and the like may be stored in the first wallet database 318. The first wallet database 318 may also store language/syntax/symbol information used by the decryption module 310 when decrypting the request message received from the second digital wallet 104.

[037] FIG. 4 is a block diagram of the second digital wallet 104 depicting additional components, in accordance with an embodiment. As shown, the second digital wallet 104 may include a second short-range communication module 402, a second processor 404, a second cellular network module 412, a second biometric authentication module 414, a second illumination module 416, and a second wallet database 418. The second processor 404 may include a first encryption message receiving module 406, a message decryption module 408, and an encrypted request message preparation module 410. Each component is explained in further detail below.

[038] In one embodiment, the second short-range communication module 402 may be configured to establish communication between the second digital wallet 104 and the first digital wallet 102. In one example embodiment, the second short-range communication module 402 may be a wireless personal area network module, a near-field communication module, a Bluetooth module, and the like. Short-range communication may be established when the second digital wallet 104 and the first digital wallet 102 are near each other.

[039] Further, first encryption message receiving module 406 of the second processor 404 may be configured to receive the first encrypted message sent via the first short-range communication module 302 through the second short-range communication module 402. The first encryption message may include a unique identifier that identifies the user of the first digital wallet 102. For example, the unique identifier may pertain to information regarding the user such as name, age, occupation, account number, transaction history, and the like.

[040] The first encryption message may also include information corresponding to an amount of money to be transferred from the first digital wallet 102. The user may set a maximum amount of money that may be transferred from the first digital wallet 102 to the second digital wallet 104. Once the maximum amount is set, money is then debited from the user’s bank account and credited to a first wallet main account associated with the digital payments performed by the first digital wallet 102. The user may also reset the maximum amount balance limit anytime.

[041] Further, the message decryption module 408 of the second processor 404 may be configured to decrypt the first encrypted message. The encrypted message may be written in a unique language that only the second digital wallet 104 can interpret, and not any other device. Upon successful decryption, the digital payment may be transferred between the first digital wallet 102 and the second digital wallet 104.

[042] Further, the encrypted request message preparation module 410 may be configured to prepare the encrypted request message that is communicated to the first digital wallet 102 via the second short-range communication module 402. The encrypted request message may include a unique identifier that identifies the user of the second digital wallet 104. For example, the unique identifier may pertain to information regarding the user such as name, age, occupation, account number, transaction history, and the like. The encrypted request message may also include information corresponding to an amount of money to be transferred to the first digital wallet 102.

[043] The first processor 304 of the first digital wallet 102 receives the encrypted request message sent via the second short-range communication module 402, through the first short- range communication module 302. The first processor 304 then decrypts the encrypted request message, upon which the digital payment is sent from the first digital wallet 102 to the second digital wallet 104.

[044] Further, the second cellular network module 412 may be configured to allow the second digital wallet 104 to communicate with the remote server 108. The second cellular network module 412 may be a wireless network.

[045] In one embodiment, the second biometric authentication module 414 may be configured to facilitate processing of digital payments between the second digital wallet 104 and the first digital wallet 102 via fingerprint authentication of the user. The second digital wallet 104 includes a scanner on which the user may scan his/her fingerprint. The second digital wallet 104 then examines the user’s finger, and upon successful authentication, the user has the option to transfer his/her money.

[046] Further, the second illumination module 416 may use input from the second biometric authentication module 414. The second illumination module 416 may be configured to display colours on an indicator present on the second digital wallet 104. The colours may depict transaction status (success/failure/ready-ness to transact) of the digital payment relating to the second digital wallet 104. Light of a first colour may be depicted when the second digital wallet 104 is within a prescribed vicinity of the first digital wallet 102. In one example, the first colour may be yellow. Light of a second colour may be depicted upon a successful digital payment. In one example, the second colour may be green. Light of a third colour may be depicted upon a failed digital payment. In one example, the third colour may be red. The light of colours may make it easier for users to understand whether their digital payment has been successful or not, as they get an immediate result and they don’t have to spend time researching about it in the future.

[047] Further, the second wallet database 418 may be configured to store and keep record of all the digital payments that have been transferred from the second digital wallet 104 and received by the first digital wallet 102. All digital payments are updated and stored in the second wallet database 418 at regular time periods (for example daily, weekly, monthly). In one example, information relating to payment methods, billing address, transfer history, payee details (name, account number, bank and the like), user profile, and the like may be stored in the second wallet database 418. The second wallet database 418 may also store language/syntax/symbol information used by the message decryption module 408 when decrypting the request message received from the first digital wallet 102.

[048] FIG. 5 is a block diagram of the remote server 108 of FIG. 2 depicting additional components, in accordance with an embodiment. As shown, the remote server 108 may include wallet distance determination module 502, a wallet communication module 504, a digital payment module 506, and a remote server database 508. Each component is explained in further detail below.

[049] In one embodiment, the wallet distance determination module 502 may be configured to determine the communication range between the first digital wallet 102 and the second digital wallet 104. The communication range may be a short-range communication or a large-range communication. The first digital wallet 102 may include a location module (not shown in figures) that updates its current location to the remote server 108, at regular intervals. The second digital wallet 104 may also include a location module (not shown in figures) that updates its current location to the remote server 108, at regular intervals. The remote server 108 analyzes the data received from the location module and detects whether the first digital wallet 102 and the second digital wallet 104 are near to each other (short-range communication) or remote from each other (large-range communication).

[050] Further, the wallet communication module 504 may be configured to communicate with the first digital wallet 102 and the second digital wallet 104, based on the distance determined by the wallet distance determination module 502. In one example, the distance may be of a short-range. Then the wallet communication module 504 instructs the first digital wallet 102 and the second digital wallet 104 to establish communication with each other via the first short-range communication module 302 and the second short-range communication module. The first short-range communication module 302 and the second short-range communication module 402 may be a wireless personal area network module, a near-field communication module, a Bluetooth module, and the like.

[051] In another example, the distance may be a long-range or remote. Then the wallet communication module 504 instructs the first digital wallet 102 and the second digital wallet 104 to establish communication with each other via a non-internet-based protocol. The wallet communication module 504 may enable the non-internet-based protocol when the first digital wallet 102 and the second digital wallet 104 are beyond the range of the first short-range communication module 302 and the second short-range communication module 304.

[052] Further, the digital payment module 506 may be configured to initiate the digital payment between the first digital wallet 102 and the second digital wallet 104. In one example, the user enters the user details of the second digital wallet 104 using buttons present on the first digital wallet 102. These details may then be stored in the first wallet database 318. The digital payment module 506 receives the details of the user of the second digital wallet 104, based on his/her information stored in the first wallet database 318 of the first digital wallet 102, and then transfers the amount digitally to the second digital wallet.

[053] Further, the remote server database 508 may be configured to store and keep record of all the digital payment sent/received by the first digital wallet 102 and the second digital wallet 104. All digital payments may be updated and stored in the remote server database 508 at regular time periods (for example daily, weekly, monthly). The first digital wallet 102 communicates with the remote server 108 via the first cellular network module 312 and the second digital wallet 104 communicates with the remote server 108 via the second cellular network module 412. The communication between the first digital wallet 102, the second digital wallet 104, and the remote server 108 may be via the non-internet-based protocol. The remote server database 508 also maintain account information corresponding to the first digital wallet 102 and the second digital wallet 104. In one example, information relating to payment methods, billing address, transfer history, payee details (name, account number, bank and the like), user profile, and the like may be communicated to the remoter server 108 and be stored in the remote server database 508

[054] FIG. 6 is an exemplary block diagram illustrating hardware components the first digital wallet 102, in accordance with an embodiment. As shown, the hardware components of the first digital wallet 102 may include a central processing unit (CPU) 602, a hard disk 604, a scanner 606, a subscriber identity module (SIM) 608, a Bluetooth wireless communicator 610, a rechargeable battery 612, and a fiber body cover 614. Each component is explained in further detail below.

[055] In one embodiment, the CPU 602 may be configured to control and execute the operations of the first digital wallet 102. The CPU 602 may perform basic arithmetic, control, logical, I/O (input/output) operation, and the like that may be specified by the user. In one example, the operations may be transferring money, receiving money, checking the first wallet account balance based on the digital payments processed, communicating with the second digital wallet 102, and the like.

[056] Further, the hard disk 604 may be configured to store data. The hard disk 604 may be an electromechanical data storage device that uses magnetic storage to store and retrieve data. The data may be accessed in a random-access manner. The hard disk 604 may be a non volatile storage type and may retain the stored data even when the first digital wallet 102 is powered off. In one example, embodiment, the hard disk 604 may store data stored by the first wallet database 318 and the remote server database 508, both as non-volatile.

[057] Further, scanner 606 may be configured to recognize the fingerprints of the user when he/she places their finger. The scanner 606 may be fingerprint scanner. In one example, the scanner 606 may scan fingers using an optical scanner that shins a bright light over the fingerprint and produces a digital image. The optical scanner may use a light-sensitive microchip to produce the digital image. In another example, the scanner 606 may scan fingers using a capacitive scanner that measures the fingers electrically when rested on a surface. There may be varying distances between each part of the finger and the surface. The capacitive scanner builds the digital image of the fingerprint by measuring these distances.

[058] Further, the SIM 608 may be configured to store an identity number and key of the first digital wallet 102, which may be used to identify and authenticate subscriber information. The SIM 608 may be compactible for supporting up till 5 voltage. The SIM 608 may be made of polyvinyl chloride (PVC) including embedded contacts and semiconductors.

[059] Further, the Bluetooth wireless communicator 610 may be configured to enable the digital payment between the first digital wallet 102 and the second digital wallet 104, when they are placed within a short communication range from each other. The Bluetooth wireless communicator 610 may send/receive radio waves in a band of nearly 80 different frequencies centered at approximately 2.45 GHz. Once the first digital wallet 102 and the second digital wallet 104 are paired, the Bluetooth wireless communicator 610 may form a mini computer network referred to as a piconet.

[060] Further, the rechargeable battery 612 may be configured to power up the first digital wallet 102. In one example embodiment, the rechargeable battery 612 may be lithium-ion (LiOn), nickel-metal hydride (NiMH), nickel-cadmium (NiCd), and the like. The fiber body cover 614 may be placed around the sides of the first digital wallet 102 and protect the first digital wallet 102 from being damaged. Each component explained above pertaining to the first digital wallet 102 may be applied on the second digital wallet 104 too.

[061] FIG. 7 is an exemplary block diagram illustrating additional hardware components of the first digital wallet 102, in accordance with an embodiment. As shown, the block diagram may include a button 702, a display 704, a fingerprint scanner 706, an input button 708, a button dot 710, a cancel button 712, a confirm button 714, a payment button 716, indicator 718A-C, a receive button 720, a setup button 722, a pay button 724, a statement button 726, a scrolling down button 728, a scrolling up button 730, an outbox button 732, an account update button 734, a power port 736, and a battery power status 738. Each component is explained in further detail below.

[062] In one embodiment, the user presses the button 702 for switching on the first digital wallet 102. Herein, the term‘user’ refers to the person associated with the first digital wallet 102. The display 704 displays text to the user relating to the digital payment processing. In one example embodiment, the display 704 may display a message stating‘Scan Fingerprint’. The user then scans his/her fingerprint on the fingerprint scanner 706. Upon successful scan, the display 704 then displays the balance cash amount in the first wallet main account. The user then inputs the amount that he/she wishes to transfer using the input button 708 (there may by more than one input button 708 as depicted in the block diagram) for entering digital 0-9 and the button dot 710 for entering decimal amounts. The user may cancel the input amount entered by the input button 708 and the button dot 710 by pressing the cancel button 712 in case there was an entering mistake.

[063] The user may press the confirm button 714 to validate the amount entered and the payment button 716 to initiate the digital payment. The indicators 718A-C depicts the successfulness of the digital payment to the user by shining colors. Light of a first colour may be depicted when the second digital wallet 104 is within a prescribed vicinity of the first digital wallet 102. In one example, the first colour may be yellow. Light of a second colour may be depicted upon a successful digital payment. In one example, the second colour may be green. Light of a third colour may be depicted upon a failed digital payment. In one example, the third colour may be red. The light of colours may make it easier for users to understand whether their digital payment has been successful or not, as they get an immediate result and they don’t have to spend time researching about it in the future.

[064] The user may press the receive button 720 when he/she is expecting money to be received from other wallets (for example the second digital wallet 104). In one embodiment, the user may set the maximum amount of money that can be transferred by pressing the setup button 722. The maximum amount may be set using the input button 708, the button dot 710, and the confirm button 714. The maximum amount may also be reset by the user upon pressing the setup button 722. If the maximum amount balance limit is higher than the money present in the first wallet main account, then the difference amount between the first wallet main account and the maximum account balance limit is credited directly into the first wallet main account.

[065] In one embodiment, the pay button 724 may be pressed by the user upon making the digital payment when the first digital wallet 102 and the second digital wallet 104 are remote to each other. A message‘Add Receiver Account’ may be displayed on the display 704. The user inputs the account number of the person of the second digital wallet 102 using the input button 708. The user validates the account number of the person by pressing the confirm button 714. A message‘Reconfirm the receiver account number’ may be displayed on the display 704. The user reconfirms the receiver account number by using the input button 708 and pressing the confirm button 714. Upon successful verification, a message‘Enter amount to be transferred’ may be displayed on the display 704, and the user enters the amount using the input button 708, the button dot 710, and confirms the digital payment by pressing the confirm button 714 and payment button 716.

[066] In one example, the user may press the statement button 726 and view a statement showing past digital payments made. The user may make use of the scrolling down button 728 and the scrolling up button 730 while viewing the statement. In one example embodiment, the outbox button 732 may be pressed by the user for viewing digital transfers in an outbox. All digital transfers remain in the outbox for a certain time duration (for ex: 15 minutes). The user has till the time duration to view and cancel all or any digital payment. The user may press the account update button 734 for updating the person account details and account details of others too.

[067] Further, the first digital wallet 102 may be powered by the rechargeable battery 612. In one example embodiment, the battery power status 738 of the first digital wallet 102 may be viewed by the user on the display 704. Accordingly, the user may be intimated when the battery of the first digital wallet 102 is low. The battery of the first digital wallet 102 may be recharged using the power port 736, which may be connected to a power charger cord. Each component explained above pertaining to the first digital wallet 102 may be applied on the second digital wallet 104 too.

[068] FIG. 8 illustrates an exemplary method 800 illustrating a flowchart for enabling a digital payment between the first digital wallet 102 and the second digital wallet 104 placed within a short communication range, in accordance with an embodiment. Steps 802 - 812 may be executed by the first digital wallet 102 and the second digital wallet 104 respectively. Each step is explained in further detail below.

[069] At step 802, the first digital wallet 102 may be provided. The first digital wallet 102 may include the first short-range communication module 302 and the first processor 304. The first short-range communication module 302 may be configured to establish communication between the first digital wallet 102 and the second digital wallet 104. In one example embodiment, the first short-range communication module 302 may be a wireless personal area network module, a near-field communication module, a Bluetooth module, and the like. Short-range communication may be established when the first digital wallet 102 and the second digital wallet 104 are near each other.

[070] At step 804, the second digital wallet 104 may be provided. The second digital wallet 104 may include the second short-range communication module 402 and the second processor 404. The second short-range communication module 402 may be configured to establish communication between the second digital wallet 104 and the first digital wallet 102. In one example embodiment, the second short-range communication module 402 may be a wireless personal area network module, a near-field communication module, a Bluetooth module, and the like. Short-range communication may be established when the first digital wallet 102 and the second digital wallet 104 are near each other.

[071] At step 806, communication may be established between the first digital wallet 102 and the second digital wallet 104. The communication may be established via the first short- range communication module 302 and the second short-range communication module 402. The communication may be established when the first digital wallet 102 and the second digital wallet 104 are within a communication range or near to each other.

[072] At step 808, at least the first encrypted message may be prepared by the first encryption message preparation module 306 of the first processor 304 of the first digital wallet 102. The first encryption message which may be communicated to the second digital wallet 104 via the first short-range communication module 302. The first encryption message may include a unique identifier that identifies the user of the first digital wallet 102. For example, the unique identifier may pertain to information regarding the user such as name, age, occupation, account number, transaction history, and the like. The first encryption message may also include information corresponding to an amount of money to be transferred from the first digital wallet 102. The user may set a maximum amount of money that may be transferred from the first digital wallet 102 to the second digital wallet 104.

[073] At step 810, the first encryption message receiving module 406 of the second processor 404 of the second digital wallet 104, may be configured to receive the first encrypted message sent by the first digital wallet 102. The first encryption message may be sent via the first short-range communication module 302 through the second short-range communication module 402.

[074] At step 812, the message decryption module 408 of the second processor 404 of the second digital wallet 104 may be configured to decrypt the first encrypted message. The first encrypted message may be written in a unique language that only the second digital wallet 104 can interpret, and not any other device. Upon successful decryption, the digital payment may be transferred between the first digital wallet 102 and the second digital wallet 104.

[075] FIG. 9 illustrates an exemplary method 900 illustrating a flowchart for decrypting a request message sent from the second digital wallet 104 to the first digital wallet 102, in accordance with an embodiment. Step 902 may be executed by the second processor 404 of the second digital wallet 104. Step 904 and step 906 may be executed by the first processor 304 of the first digital wallet 102. Each step is explained in further detail below.

[076] At step 902, the encrypted message request preparation module 410 of the second processor 404 of the second digital wallet 104 may be configured to prepare the encrypted request message that is communicated to the first digital wallet 102 via the second short-range communication module 402. The encrypted request message may include a unique identifier that identifies the user of the second digital wallet 104. For example, the unique identifier may pertain to information regarding the user such as name, age, occupation, account number, transaction history, and the like. The encrypted request message may also include information corresponding to an amount of money to be transferred to the first digital wallet 102.

[077] At step 904, the encrypted message request receiving module 308 of the first processor 304 of the first digital wallet 102 may be configured to receive at least an encrypted request message prepared by the second digital wallet 104. The encrypted request message is communicated from the second digital wallet 104 to the first digital wallet 102. The encrypted request message may include a unique identifier that identifies the user of the second digital wallet 104. For example, the unique identifier may pertain to information regarding the user such as name, age, occupation, account number, transaction history, and the like. The encrypted request message may also include information corresponding to an amount of money to be transferred to the first digital wallet 102.

[078] At step 906, the decryption module 310 of the first processor 304 of the first digital wallet 102 may be configured to decrypt the encrypted request message. The request message may be written in a unique language that only the first digital wallet 102 can interpret, and not any other device. Upon successful decryption of the request message, the digital payment may be transferred from the second digital wallet 104 to the first digital wallet 102.

[079] FIG. 10 illustrates an exemplary method 1000 illustrating a flowchart for verifying successful and failed digital payments based on biometric authentication of fingerprints of a user, in accordance with an embodiment. Steps 1002 - 1014 may be executed on the first digital wallet 102. Each step is explained in further detail below.

[080] At step 1002, the user scans his/her fingerprint on the fingerprint scanner 706 present on the first digital wallet 102. At step 1004, the fingerprint scanner 706 of the first digital wallet 102 may be configured to recognize the fingerprints of the user when he/she places their finger. In one example, the fingerprint scanner 606 may scan fingers using an optical scanner that shins a bright light over the fingerprint and produces a digital image. The optical scanner may use a light-sensitive microchip to produce the digital image. In another example, the fingerprint scanner 606 may scan fingers using a capacitive scanner that measures the fingers electrically when rested on a surface. There may be varying distances between each part of the finger and the surface. The capacitive scanner builds the digital image of the fingerprint by measuring these distances.

[081] At step 1006, the display 704 then displays the balance cash amount in the first wallet main account. The user then inputs the amount that he/she wishes to transfer using the input button 708 (there may by more than one input button 708 as depicted in the block diagram) for entering digital 0-9 and the button dot 710 for entering decimal amounts.

[082] The indicators 718A-C depicts the successfulness of the digital payment to the user by shining colors. At step 1008, light of a first colour may be depicted when the second digital wallet 104 is within a prescribed vicinity of the first digital wallet 102. In one example, the first colour may be yellow. At step 1010, the user may press the confirm button 714 to validate the amount entered and the payment button 716 to initiate the digital payment. At step 1012, light of a second colour may be depicted upon a successful digital payment. In one example, the second colour may be green. At step 1014, light of a third colour may be depicted upon a failed digital payment. In one example, the third colour may be red. The light of colours may make it easier for users to understand whether their digital payment has been successful or not, as they get an immediate result and they don’t have to spend time researching about it in the future. Each step explained above pertaining to the first digital wallet 102 may be applied on the second digital wallet 104 too.

[083] FIG. 11 illustrates an exemplary system architecture of the first digital wallet 102 in accordance with an embodiment. As shown, the first digital wallet 102 may include a processor 1102, a communication unit 1104, a memory 1106, an I/O 1108, and a bus 1110. Each component is explained in further detail below.

[084] In general, the processor 1102 may include any suitable special-purpose or general- purpose computer, computing entity, or processing device including various computer hardware or software modules and may be configured to execute instructions stored on any applicable computer-readable storage media. For example, the processor 1102 may include a microprocessor, a microcontroller, a digital signal processor (DSP), an application- specific integrated circuit (ASIC), a Field-Programmable Gate Array (FPGA), or any other digital or analog circuitry configured to interpret and/or to execute program instructions and/or to process data.

[085] The communication unit 1104 may be a wired network or a wireless network. Furthermore, the communication unit 1104 may include a local area network (FAN), a wide area network (WAN) (e.g., the Internet), or other interconnected data paths across which multiple devices and/or entities may communicate.

[086] The memory 1106 may include computer-readable storage media for carrying or having computer-executable instructions or data structures stored thereon. Such computer- readable storage media may be any available media that may be accessed by a general-purpose or special-purpose computer, such as the processor 1102. By way of example, and not limitation, such computer-readable storage media may include tangible or non-transitory computer-readable storage media including Random Access Memory (RAM), Read-Only Memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Compact Disc Read-Only Memory (CD-ROM) or other optical disk storage, magnetic disk storage or other magnetic storage devices, flash memory devices (e.g., solid state memory devices), or any other storage medium which may be used to carry or store desired program code in the form of computer-executable instructions or data structures and which may be accessed by a general-purpose or special-purpose computer.

[087] The I/O (input/output) 1108 may provide communication between the processor 1102, the communication unit 1104, and the memory 1106. The processor 1102, the communication unit 1104, the memory 1106, and the I/O 1108 may all be interconnected via the bus 1110. The bus 1110 may be a communication system that transfers data/information between each component.

[088] It shall be noted that the processes described above are described as sequence of steps; this was done solely for the sake of illustration. Accordingly, it is understood that some steps may be added, some steps may be omitted, the order of the steps may be re-arranged, or some steps may be performed simultaneously.

CONCLUSION

[089] The forgoing disclosure overcomes the drawbacks of the conventional digital payment systems. Thus, the present invention as discussed in this document with respect to different embodiments will be advantageous at least for providing a system for digital transfers without usage of the internet. Furthermore, the system is also advantageous as it is safe and less prone to being hacked as information is carefully stored. Furthermore, the system is also advantageous as it can make digital transfers when digital wallets are near or remote to each other, without usage of the internet, which saves time and power since the devices don’t have to spend time in connecting to the internet. Additional advantages not listed may be understood by a person ordinary skilled in the art in view of the embodiments disclosed above.

[090] In the foregoing detailed description, numerous specific details, examples, and scenarios are explained to facilitate a thorough understanding of the present disclosure. However, the embodiments of the disclosure may be practiced without such specific details. Further, such examples and scenarios are provided for illustration, and are not intended to limit the disclosure in any way. Those of ordinary skill in the art, with the included descriptions, should be able to implement appropriate functionality without undue experimentation. Thus, the scope of the invention should be determined by the appended claims and their legal equivalents rather than by details, examples, and scenarios provided.

[091] Although embodiments have been described with reference to specific example embodiments, it will be evident that various combinations, modifications, additions, and omissions may be made to these embodiments without departing from the broader spirit and scope of the foregoing disclosure and appended claims. Accordingly, the specification and drawings are to be regarded in an illustrative sense rather than a restrictive sense.

[092] It is to be understood that the phraseology or terminology employed herein is for the purpose of description and not of limitation.

Claims

CLAIMS What is claimed is:

1. A system for enabling digital payments without using Internet, the system comprising: a first digital wallet device comprising a first short-range communication module and a first processor; and

a second digital wallet device comprising a second short-range communication module and a second processor;

wherein,

the first digital wallet and the second digital wallet are operable to establish communication with each other via the first short-range communication module and the second short-range communication module, when the first digital wallet and the second digital wallet are within a communication range;

the first processor prepares at least a first encrypted message, which is communicated to the second digital wallet via the first short-range

communication module;

the second processor receives the first encrypted message sent via the first short- range communication module, through the second short-range communication module; and

the second processor decrypts the first encrypted message to receive digital payment from the first digital wallet.

2. The system as claimed in claim 1, wherein the first encrypted message comprises a unique identifier identifying a user of the first digital wallet.

3. The system as claimed in claim 1, wherein the first encrypted message comprises information corresponding to an amount to be transferred from the first digital wallet.

4. The system as claimed in claim 1, wherein,

the second processor prepares at least an encrypted request message, which is communicated to the first digital wallet via the second short-range communication module;

the first processor receives the encrypted request message sent via the second short- range communication module, through the first short-range communication module; and

the first processor decrypts the encrypted request message to send digital payment from the first digital wallet to the second digital wallet.

5. The system as claimed in claim 4, wherein the encrypted request message comprises a unique identifier identifying a user of the second digital wallet.

6. The system as claimed in claim 1, wherein the encrypted request message comprises information corresponding to an amount to be transferred to the second digital wallet.

7. The system as claimed in claim 1, wherein the first short-range communication module and the second short-range communication module are wireless personal area network modules.

8. The system as claimed in claim 1, wherein the first short-range communication module and the second short-range communication module are near-field communication modules.

9. The system as claimed in claim 1, further comprising a remote server, wherein,

each of the first digital wallet and the second digital wallet comprises a cellular network module; and

the first digital wallet and the second digital wallet communicates with the remote server using their respective cellular network module.

10. The system as claimed in claim 9, wherein the communication between the remote server and each of the first digital wallet and the second digital wallet is via non internet based protocol.

11. The system as claimed in claim 9, wherein the remote server maintains account

information corresponding to the first digital wallet and the second digital wallet.

12. The system as claimed in claim 9, wherein the digital payment between the first digital wallet and the second digital wallet is enabled via the remote server using the non internet based protocol when the first digital wallet and the second digital wallet are beyond the communication range of the first short-range communication module and the second short-range communication module.

13. The system as claimed in claim 1, wherein the first digital wallet comprises a biometric authentication module, wherein digital payment is made upon successful biometric authentication.

14. The system as claimed in claim 13, wherein the first digital wallet further comprises an illumination module, wherein the illumination module presents light of a first colour upon successful biometric authentication.

15. The system as claimed in claim 14, wherein the illumination module is further

configured to:

present light of a second colour when the digital payment succeeds; and

present light of a third colour when the digital payment fails.