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PORTABLE DEVICE WIRELESS READER AND PAYMENT TRANSACTION TERMINAL FUNCTIONALITY WITH OTHER PORTABLE DEVICES

  • US 20140052532A1
  • Filed: 08/19/2013
  • Published: 02/20/2014
  • Est. Priority Date: 08/17/2012
  • Status: Abandoned Application
First Claim
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1. A computer-implemented method for processing wireless payment transactions, comprising:

  • receiving, by a first mobile phone device, a request to conduct a payment transaction using a payment device, wherein the payment device is a second mobile phone device, and wherein the payment device comprises a secure memory and an application capable of transmitting payment account information from the payment device to the first mobile phone device via a radio frequency (RF) wireless communication channel;

    in response to receiving the request to conduct the payment transaction, disabling, by the first mobile phone device, a conflicting operating mode that interferes with establishing the RF wireless communication channel between the first mobile phone device and the payment device and reading the payment account information from the payment device;

    establishing, by the first mobile phone device, the RF wireless communication channel between the first mobile phone device and the payment device, wherein the first mobile phone device generates an RF field and the payment device is placed within a certain physical proximity of the first mobile phone device to establish the RF wireless communication channel, wherein the certain physical proximity is based at least in part on the strength of the generated RF field;

    transmitting, by the first mobile phone device, a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command instructs the application on the payment device to transmit payment account information to the first mobile phone device; and

    receiving, by the first mobile phone device, the payment account information from the payment device.

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