CHARGE-FOR-SERVICE NEAR FIELD COMMUNICATION TRANSACTIONS

摘要

A method for purchasing a value item using near field communication (NFC) includes placing a NFC enabled data communication device of a buyer of the item in close proximity to a NFC enabled data communication device of a seller of the item, the devices being interoperable to establish a NFC communication link between the devices when placed in close proximity to each other, transferring a request for payment for the item from the seller's device to the buyer's device via the NFC link, and transmitting the payment request, together a buyer's authorization therefor, to a third party service provider via a network. In response to receipt of the transmission, the service provider transfers money in an amount equal to the purchase price of the item from a funding account of the buyer to a receiving account of the seller, and optionally, can send the parties a message confirming the transfer.

主权项

1. An electronic payment method for facilitating purchase and transfer of a value item, the method comprising:
in response to detecting a first tap at a user device, establishing a near field communication (NFC) link by the user device with a merchant device; receiving, at the user device, a transaction request from the merchant device via the NFC link; displaying, at the user device, information corresponding to the received transaction request; creating, at the user device, a payment request based on the received transaction request; in response to detecting a second tap at the user device, transmitting the payment request by the user device to a payment provider system via a communication channel that is distinct from the NFC link, wherein the payment request is configured to cause the payment provider system to transfer funds from an account associated with the user device to an account associated with the merchant device; and receiving, at the user device, information corresponding to the value item.