Patent ID: 7575177

Claim:
A mobile device, comprising: a first antenna; at least one control device coupled to the first antenna, the at least one control device operable in a first mode, in which said at least one control device transmits a payment card account number via the first antenna to a point of sale terminal, and in a second mode, in which said at least one control device transmits a message to the point of sale terminal via the first antenna to request that the point of sale terminal download transaction information to the mobile device; and a second antenna coupled to the at least one control device; wherein, in said second mode, said at least one control device transmits, via said second antenna, a request for a funds transfer, said request for funds transfer including merchant information that identifies a merchant who operates the point of sale terminal, said request for funds transfer being transmitted in said second mode after the mobile device receives said merchant information from said point of sale terminal, said mobile device not transmitting said payment card account number to said point of sale terminal in said second mode.