TRANSACTION SYSTEM AND METHOD

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United States of America Patent

SERIAL NO

14199406

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Abstract

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A method and device of performing a person-to-person payment from a wireless personal communications device of an originator to a wireless communications device of a recipient is provided. The method include transferring a respective blind payment identifier, which is associated with a payment having a monetary value, from a wireless personal communications device of the originator to a wireless personal communications device of the recipient by using a direct device-to-device communications protocol. 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 and impart the blind payment identifier thereto.

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Patent Owner(s)

Patent OwnerAddress
THE ROYAL BANK OF SCOTLAND PLCIP UNIT GROUP SECRETARIAT BUSINESS HOUSE F RBS GOGARBURN P O BOX 1000 EDINBURGH EH12 1HQ

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
King, John Edinburgh, GB 37 321
Yuill, Alan Edinburgh, GB 2 31

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