SYSTEMS, DEVICES, AND METHODS FOR MOBILE PAYMENT ACCEPTANCE, MOBILE AUTHORIZATIONS, MOBILE WALLETS, AND CONTACTLESS COMMUNICATION MECHANISMS

摘要

A mobile device may provide payment acceptance and/or payment authorization for purchases, payments and/or money transfers by accepting payment information from a powered, or a non-powered, card using a contactless communication channel formed between the card and the mobile device. The payment information may be communicated by the mobile device to network entities that may be used to settle/authorize such purchase, payment and/or money transfer transactions. Physical cards may be presented to a mobile device to establish a contactless communication channel between the physical card and the mobile device. Information communicated by the physical card may be received, stored, and used by the mobile device to generate a mobile wallet of virtual cards.