Methods and Apparatus for Performing Local Transactions
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United States of America Patent
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Issued Date -
Dec 4, 2014
app pub date -
Jun 2, 2014
filing date -
Jun 3, 2013
priority date (Note) -
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Abstract
A method of performing a transaction using first and second computing devices is described. A local data connection is established between the first computing device and the second computing device. An amount to transfer is identified at either the first computing device or the second computing device. A first account is identified at the first computing device and a second account at the second computing device. Credentials are provided at the first computing device to authorize the transaction, and encrypted and authenticated transaction data is sent to a payer account provider for value transfer between the first account provider and a second account provider. Confirmation of the completed transaction is then provided to the first computing device and the second computing device. Suitable computer program products and computing devices are provided. This method is particularly effective for providing local person to person value transfers in real time.
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