| 摘要 |
Performing a person-to-person payment from a wireless personal communications device of an originator to a wireless communications device of a recipient by transferring a respective blind one-time payment identifier, which is associated with a payment having a monetary value, by using a direct device-toÂ-device communications protocol such as Bluetooth, infrared, wifi or barcodes. The personal communications device includes means arranged to communicate wirelessly with a remote payment system to set up a payment therewith including by obtaining and storing a blind payment identifier; and means arranged to communicate directly with a proximal second personal communications device. The arrangement may be used with a cash dispenser atm, or for cash transfers between the accounts associated with different smartphones. |
