| 摘要 |
A mobile device configured to replace physical card(s) of a user, the mobile device being capable of performing a process including in any order the steps of: receiving from the card issuer card data necessary for performing cardless transactions; storing the card data; receiving from the user instructions for initiating a cardless transaction; authenticating the user before the cardless transaction is initiated; and, initiating the cardless transaction by transmitting the card data to a card data reader. |
