Portable electronic device for exchanging values and method of using such a device
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United States of America Patent
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Oct 17, 2017
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N/A
app pub date -
Oct 22, 2008
filing date -
Oct 22, 2007
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Abstract
The invention concerns a portable electronic transfer device using a near-field wireless communication module and a method of using it. The device includes means for entering an amount and an acceptance command so that a debtor can enter their personal identification number on their portable device and not on that of a third party. If the acceptance command is authenticated, a secure message containing the amount is sent via the near-field. wireless communication module to a creditor. The creditor can then add their references to the message and send it to effect the transaction. Alternatively, the creditor sends their references to the debtor via the near-field wireless communication module and the debtor can formulate a transaction request including the amount and the references of the creditor.
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