3Conventionalmobile wallet payment transaction systems are generally known, in which mobile devices such as mobile handsets, cell phones, smart phones, personal digital assistants (PDAs), laptops, handheld computing devices, etc. are provisioned with a wallet application for processing and management of secure payment transactions with a payment service provider. However, conventional mobile wallet payment transaction systems typically require the mobile device to be "on-line" and connected to the payment service provider via a data network, such as a cellular, wireless or Wi-Fi (RTM) data network, in order to request, authorize, verify, process and confirm a payment transaction. Typically, when mobile devices go "off-line" and are disconnected from the data network, then the payment capability of the mobile wallet application is disabled. What is desired is a payment transaction system that facilitates greater flexibility during a payment transaction process without requiring the mobile device to be on-line and connected to a data network in order to initiate a transaction and further enhance the security during transaction. Despite the aforementioned prior art, there is a need to build a system of improved mobile wallet that is solely not based on the internet for smooth transaction and at the same time is not cumbersome in its process. Moreover the system should be safe and secure for use by its bona-fide users thereby enabling more and more people to become user friendly to mobile wallet app providing for an easier and healthier mode of transaction. Objective of the InventionAccording to one aspect of the present invention, there is provided a system for processing mobile payment transactions comprising a mobile device configured as a mobile wallet and operable to communicate with a payment service provider via a data network, wherein said mobile device is adapted to enable a user to initiate a payment transaction when the mobile device is "off-line" and
4not connected to the data network, and wherein the mobile device is operable to communicate details of the payment transaction to the payment service provider when the mobile device is re-connected to the data network. The mobile device may automatically download details of one or more offers or pre-paid vouchers froma deal engine when the mobile device is connected to the data network. The user may then select one or more downloaded offers or pre-paid vouchers to purchase when the mobile device loses connection to, or otherwise becomes disconnected from, the data network.The main objective of the present invention is to provide a System of mobile wallet that can perform transaction without network connectivity which relieves the mobile wallet user from being dependent on network connection to perform transaction.Another objective of the present invention is to provide a safe transaction environment by the use of QR code technology linked to the sign in account of the customer.Another objective of the present invention is to provide a safe transaction environment, which provides for a safer mode of generation of One Time Password without the requirement of internet connection.Yet, another objective of the present invention is to provide an offline QR payment solution doesn't require much interaction between user and merchant and save a lot of transaction timeYet, another objective of the present invention is to provide a System of Offline Mobile Wallet which is economical and easy to use.Summary of the InventionPresent invention relates to a system to provide a dynamic QR code to perform secured transactions without network connectivity, comprises:
5a user device(10), having a user application(13) which comprises a mobile wallet transaction module (14) to generate a dynamic QR code when user device is offline, is operably connected to a backed server (19) to initiate an authorising process,merchant device (30) is operably connected to the wallet server (21), having a merchant application (32) which comprises a module (33) for scanning said user's dynamic QR code image captured by a camera (31) of said merchant device and module (34) for executing transaction by passing the scanned data to the wallet server (21) when user's device is offline.Brief description of drawingsFigure 1 shows line diagram of the system to perform transactions without network connectivity. Figure 2 illustrates the process steps performed by the system of alleged invention.Figure 3 shows the block diagram of user device according to the invention.Figure 4 represents the block diagram of merchant device according to the invention.Detailed description of inventionFigure 1 illustrates line diagram of the system to perform transaction without network connectivity. The details of elements illustrated are as follows:1.Backend Server2.Login Server3.Wallet Server4.Consumer App5.Time Based OTP mechanism
66.Library to generate QR code7.Merchant App8.Library to extract the data from QR code imageReferring to figure 2, process starts at the step S1, when the user device is connected to the data network 18, downloads the user application 13 as shown in figure 3 which comprises a mobile wallet transaction module 14. When user first time opens the application, he will have to create a new login id as mentioned in step S2. After successful authorisation, step S3 of figure 2 will be executed and user receives a wallet Id and a unique seed from backend server. These data are stored locally in user device memory 11 so that they can be used latter on when device is offline as per step S4.When user goes to any shop and wants to make a payment, he uses mobile wallet transaction module 14 and generate a secure and dynamic QR code with the help of QR code generator module 15 according to the step S5 of figure 2. At this moment, he needs not connect his device to the data network. This QR code is dynamic in nature since it is a function of unique seed value received from server and time. This code changes every after T time. QR code is generated by the following process:•A Time-based One-time Password mechanism is embedded in the authenticating user operating system such as Android, IPhone, Blackberry and Windows mobile apps in current use case but not limited to these.•Unique seed for the user obtained from server while login and saved in mobile storage.•Since the mechanism is based on time intervals, there is need for the server and client clocks to be in synchronisation. Time synchronisation between the authenticating server and client is achieved by the following method: -
7The client makes a REST API call to the server at a specified URL and records the time before making the call (referred as T1 now on)The server returns the current UTC timestamp on the server (referred as CT now on) in the responseThe client records the time when it gets the response from the server (referred as T2 from now on)The difference between the clocks is computed as: Diff = CT –(T2-T1)/2 –T1The Diff value is subtracted from the current timestamp value on the client when generating tokenAfter generating QR code, user shows it to the merchant. Now merchant captures the image of this QR code with the help of camera 31 of merchant device as shown in figure 4. QR code is scanned through QR code scanning module 33by the merchant device application as listed in step S6. Merchant device is connected to the wallet server 21 as illustrated in figure 4 and pass the scanned data of the image of QR code generated at user device to the wallet server and finally execute the step of transaction as described in step S7. In order to obtain a more secure transaction platform, the instant system adopts the following methods:•Time based expiry of seeds. The authenticating client receives a UTC timestamp till which the seed is valid. The client needs to connect to the server at the expiry time and get a new seed. At the expiry time, the server updates the seed with a new value automatically. If the client doesn’t request and update its stored seed, the authentication requests will fail.•Security expiry of seeds. In case of loss of device, the seed for a particular user
8can be reset following which any authentication attempts from lost device will fail.Several embodiments of the present invention have been described. It should be apparent to those skilled in the art that various changes and modifications can be made without departing from the spirit and scope of the invention.

We claim:
1.A system to provide a dynamic QR code to perform secured transactions without network connectivity comprises:-a user device(10), having a user application(13) which comprises a mobile wallet transaction module (14) to generate a dynamic QR code when user device is offline, is operably connected to a backed server (19) to initiate an authorising process,-merchant device (30) is operably connected to the wallet server (21),having a merchant application (32) which comprises a module (33)for scanning said user's dynamic QR code image captured by a camera (31) of said merchant device and module (34) for executing transaction by passing the scanned data to the wallet server (21) when user's device is offline.2. The system as claimed in claim 1, wherein the said authorising process generates a login id and a Time-based One-time Password when user application is opened for the first time.3. The system as claimed in claim 1, wherein, said user application generates a wallet ID and a unique seed after successful authorisation.4. The system as claimed in claim 1, wherein said user device further comprises a memory (11) to store said wallet ID and unique seed data to be used when user device is offline. 5. The system as claimed in claim 1, whereinthe dynamic QR code is a function of the seed value and time, which changes every T time.
106. The system as claimed in claim 2, wherein the Time-based One-time Password is generated through a Time-based One-time Password mechanism which is embedded in operating system of user's device.7. The system as claimed in claim 6, wherein said mechanism is executed when the clock of user's device and backend server's clock is in synchronisation.8. The system as claimed in claim 1, wherein said seed value is valid till the UTC timestamp is received from backed server.9. The system as claimed in claim 8, wherein said seed value is updated automatically by the server at the expiry time.10. The system as claimed in claim 1, wherein said authorisation process will failif user fails to request and update the stored seed valu