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

Abstract

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.

1 - 9 . (canceled) 
     
     
         10 . A payment facilitating system for use with a Near Field Communication (NFC)-enabled mobile communicator and a point of sale (POS) terminal, said system comprising:
 a Near Field Communication (NFC) financial transaction communication link between said NFC-enabled mobile communicator and said POS terminal, said NFC financial transaction communication link being operative to communicate NFC data between said NFC-enabled mobile communicator and said POS terminal for use in a financial transaction; and   a transaction effector operative to complete said financial transaction using said NFC data communicated over said NFC financial transaction communication link between said NFC-enabled mobile communicator and said POS terminal in at least two separate NFC sessions.   
     
     
         11 . A payment facilitating system according to  claim 10  and wherein said financial transaction is a payment card transaction. 
     
     
         12 . A payment facilitating system according to  claim 11  and wherein said payment card transaction is either a credit card transaction or a debit card transaction. 
     
     
         13 . A payment facilitating system according to  claim 10  and wherein said transaction effector is embodied in at least one of said POS terminal, a transaction server and a store server. 
     
     
         14 . A payment facilitating system according to  claim 13  and wherein said transaction effector is embodied in said POS terminal and provides a transaction completion output to at least one of said transaction server and said store server. 
     
     
         15 . A payment facilitating system according to  claim 13  and wherein said transaction effector is embodied in said transaction server and receives payment card data from said POS terminal and additional data from at least one of said POS terminal and said store server. 
     
     
         16 . A payment facilitating system according to  claim 13  and wherein said transaction effector is embodied in said store server and provides at least payment card data to said transaction server. 
     
     
         17 - 20 . (canceled) 
     
     
         21 . A payment facilitating system according to  claim 10  and wherein said NFC data communicated over said NFC financial transaction communication link between said NFC-enabled mobile communicator and said POS terminal in at least one of said at least two separate NFC sessions includes data derived from a handwritten human signature. 
     
     
         22 . A payment facilitating system according to  claim 11  and wherein said NFC data communicated over said NFC financial transaction communication link between said NFC-enabled mobile communicator and said POS terminal in at least one of said at least two separate NFC sessions includes data derived from a handwritten human signature. 
     
     
         23 . A payment facilitating system according to  claim 12  and wherein said NFC data communicated over said NFC financial transaction communication link between said NFC-enabled mobile communicator and said POS terminal in at least one of said at least two separate NFC sessions includes data derived from a handwritten human signature. 
     
     
         24 . A payment facilitating system according to  claim 13  and wherein said NFC data communicated over said NFC financial transaction communication link between said NFC-enabled mobile communicator and said POS terminal in at least one of said at least two separate NFC sessions includes data derived from a handwritten human signature. 
     
     
         25 . A payment facilitating system according to  claim 14  and wherein said NFC data communicated over said NFC financial transaction communication link between said NFC-enabled mobile communicator and said POS terminal in at least one of said at least two separate NFC sessions includes data derived from a handwritten human signature. 
     
     
         26 . A payment facilitating system according to  claim 15  and wherein said NFC data communicated over said NFC financial transaction communication link between said NFC-enabled mobile communicator and said POS terminal in at least one of said at least two separate NFC sessions includes data derived from a handwritten human signature. 
     
     
         27 . A payment facilitating system according to  claim 16  and wherein said NFC data communicated over said NFC financial transaction communication link between said NFC-enabled mobile communicator and said POS terminal in at least one of said at least two separate NFC sessions includes data derived from a handwritten human signature.