User device comprising a cellular phone configured to communicate with a terminal

Abstract

Systems and methods for processing transactions using a digital payment platform.

1 - 11 . (canceled) 
     
     
         12 . A user device of a first user, comprising:
 a cellular phone,
 wherein the cellular phone is programmed to send first information to a second device, 
 wherein the cellular phone is programmed to receive second information from the second device,
 wherein the second information is related to the first information, 
 wherein the second device comprises a computer terminal,
 wherein the computer terminal is remote and separate from the user device, 
 wherein the computer terminal is configured to send third information to one or more intermediary systems, 
 wherein the computer terminal is configured to receive fourth information from the one or more intermediary systems. 
 
 
   
     
     
         13 . The user device according to  claim 12 , wherein the computer terminal is configured to receive fourth information from the one or more intermediary systems in response to the third information. 
     
     
         14 . The user device according to  claim 12 , wherein the cellular phone is programmed to send and receive information at the same time. 
     
     
         15 . The user device according to  claim 12 , wherein the cellular phone is configured to receive the second information only after sending the first information. 
     
     
         16 . The user device according to  claim 12 , wherein the computer terminal is configured to send the second information to the cellular phone only after the cellular phone sends the first information to the computer terminal, after the computer terminal sends the third information to the one or more intermediary systems, and after the computer terminal receives the fourth information from the one or more intermediary systems. 
     
     
         17 . The user device according to  claim 12 , wherein the computer terminal is configured to transmit the second information to the cellular phone wirelessly. 
     
     
         18 . The user device according to  claim 12 , wherein the cellular phone is sized to fit in the pocket of the user. 
     
     
         19 . The user device according to  claim 12 , wherein the cellular phone is configured to wirelessly transmit the first information to the computer terminal. 
     
     
         20 . The user device according to  claim 12 , wherein the cellular phone is programmed to store data. 
     
     
         21 . A method, comprising:
 obtaining a user device, comprising:
 a cellular phone, 
   sending, by the cellular phone, first information to a second device,
 wherein the second device comprise a computer terminal
 wherein the computer terminal is remote and separate from the user device, 
 wherein the computer terminal is configured to send third information to one or more intermediary systems, and 
 wherein the computer terminal is configured to receive fourth information from the one or more intermediary systems; 
 
   receiving, by the cellular phone, second information from the second device.   
     
     
         22 . The method of  claim 21 , wherein the third information and the fourth information are related to one another. 
     
     
         23 . The method of  claim 21 , wherein the cellular phone is programmed to send and receive information simultaneously. 
     
     
         24 . The method of  claim 21 , wherein the cellular phone receives the second information after sending the first information. 
     
     
         25 . The method of  claim 21 , wherein the cellular phone receives the second information from the computer terminal after the cellular phone sends the first information to the computer terminal, after the computer terminal sends the third information to the one or more intermediary systems, and after the computer terminal receives the fourth information from the one or more intermediary systems. 
     
     
         26 . The method of  claim 21 , wherein the computer terminal is configured to transmit the second information to the cellular phone wirelessly. 
     
     
         27 . The method of  claim 21 , further comprising:
 storing the cellular phone in the pocket of the user.   
     
     
         28 . The method of  claim 21 , wherein the cellular phone wirelessly transmits the first information to the computer terminal. 
     
     
         29 . The method of  claim 21 , wherein the cellular phone is further programmed to store data.