Importance

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Abstract

Systems and methods for facilitating a user transaction are provided. A communication device may select an access device from a plurality of access devices. The communication device may establish a secure connection to the access device using a secure file transfer protocol supported by a wireless data protocol. The communication device may transmit a payment credential from the communication device to the access device using the secure file transfer protocol. The access device may broadcast a communication indicating connection readiness using the wireless data protocol. In response to receiving a request from the communication device, the access device may establish a secure connection with the communication device using the secure file transfer protocol. The access device may receive a payment credential via the secure file transfer protocol.

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First Claim