PEER-TO-PEER FINANCIAL TRANSACTION DEVICES AND METHODS

摘要

Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic devices 10, 92. In one embodiment, a request for payment is transmitted from a first device 10 to a second device 92 using a near field communication (NFC) interface 46. In response to the request, the second device 92 may transmit payment information to the first device. The first device may select a crediting account and, using a suitable communication protocol, may communicate the received payment information and selected crediting account to one or more external financial servers 100 configured to process and determine whether the payment may be authorized. If the payment is authorized, a payment may be credited to the selected crediting account. In a further embodiment, a device 10 may include a camera 48 configured to obtain an image of a payment instrument. The device 10 may further include an application to extract payment information from the acquired image.