Abstract
The present disclosure provides a method and a system for performing secure offline payment transactions using a SIM card embedded in a user device. The method comprises receiving, at a secure element of the SIM card, an offline credit dynamically allocated by a financial institution and provisioned via a mobile application. The offline credit is securely stored in a partition of the secure element. During an offline transaction, the user is authenticated using the stored credentials, and the transaction amount is validated against the available offline credit and applicable policies. Upon successful validation, the secure element deducts the amount and generates a cryptographically signed transaction record. The transaction record is transmitted to a merchant POS device via a short-range communication protocol and retained in the secure element until connectivity is restored. Once online, the transaction record is transmitted to the financial institution system for reconciliation and credit refresh.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
Roy, Alok, "SYSTEM AND METHOD FOR PERFORMING SECURE OFFLINE PAYMENT TRANSACTIONS USING A SIM CARD", Technical Disclosure Commons, (May 26, 2025)
https://www.tdcommons.org/dpubs_series/8157