Verifone Gmbh

David Paul Talach

Mehran Mirkazemi-Moud

Christopher H Delgado

David S Kaplan

Christopher Hugh Delgado

A payment facilitating system for use with a mobile communicator and a point of sale (POS) terminal, the system including a Near Field Communication (NFC) financial transaction communication link between the mobile communicator and the POS terminal, the NFC financial transaction communication link being operative to communicate NFC data for use in a financial transaction, a non-NFC financial transaction communication link between the mobile communicator and the POS terminal, the non-NFC financial transaction communication link being operative to communicate non-NFC data for use in the financial transaction, and a transaction effector operative to complete the financial transaction using both the NFC data communicated directly between the mobile communicator and the POS terminal over the NFC financial transaction communication link and the non-NFC data communicated directly between the mobile communicator and the POS terminal over the non-NFC financial transaction communication link.

Payment facilitating system for use with a mobile communicator utilizing a near field communication (NFC) link

A point of sale (POS) terminal including a contactless transaction/identification card reader and a propinquity verifier, coupled to the contactless card reader and verifying at least predetermined propinquity of the POS terminal to a propinquity indication element.

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Sacramento, CA, United States of America

David Paul Talach