Peer-to-peer financial transaction devices and methods
US10380573B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 30, 2008 |
| Grant date | Aug 13, 2019 |
| Priority date | — |
| Expiry date | May 8, 2031 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L63/0853
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Various techniques are provided for carrying out peer-to-peer financial transactions using one or more electronic devices. In one embodiment, a request for payment is transmitted from a first device to a second device using a near field communication (NFC) interface. In response to the request, the second device 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 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 may include a camera configured to obtain an image of a payment instrument. The device may further include an application to extract payment information from the acquired image.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.