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MONEY TRANSFER SMART PHONE METHODS AND SYSTEMS

  • US 20130254103A1
  • Filed: 05/15/2013
  • Published: 09/26/2013
  • Est. Priority Date: 04/08/2010
  • Status: Active Grant
First Claim
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1. A method of transferring funds between mobile devices, the method comprising:

  • establishing a first funds transfer account associated with a first mobile device and a second funds transfer account with a second mobile device;

    funding at least the first fund account;

    selecting the second mobile device as recipient of a funds transfer from the first mobile device;

    sending a direct near field communications link request from the first mobile device to the second mobile device;

    in response to the acceptance, establishing a direct communications link between the first mobile device and the second mobile device;

    initiating a funds transfer from the first mobile device to the second mobile device, wherein the amount is designated at the first mobile device;

    transferring the amount to the second funds transfer account associated with second mobile device;

    receiving acceptance of the funds transfer; and

    in response to the acceptance, displaying on a display screen of the second mobile device and a display screen of the first mobile device a confirmation message indicating that the funds transfer has been completed.

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