Mustafa Ozdayi

Visa's newly granted patent describes a way for two devices to complete a payment without an internet connection, using cryptography to verify each transaction. According to the patent, a device determines whether a payment "amount is less than an offline amount stored in the secure element," updates that stored balance, and returns a cryptographically signed "interaction response message" to the other device. Dallas-based Mustafa Ozdayi is among 12 inventors named on the patent. [Composite image: Sources, U.S. Patent No. 12,647,284-B2, Fig. 7; DI Studio]