Patent ID: 8112066

Claim:
A method for authorizing a Near Field communication (NFC) payment transaction comprising the steps of establishing a two-way secure wireless connection between a first mobile device having an NFC function and a second mobile device, wherein said second mobile device comprises a short wireless transceiver, wherein said second mobile device has a size smaller than 22.5 cubic centimeter, wherein said second mobile device can pair with a compatible apparatus within proximity, and upon pairing with a compatible apparatus, said second mobile device changes mode to a non-discoverable mode, wherein said second mobile device can store user data selected from the group consisting of a credit amount, a credit limit, a threshold, a maximum transaction amount, an amount, a digital key; wherein upon receiving a request for authenticating an NFC payment transaction, said first mobile device will send a request to said second mobile device, wherein said first mobile device will authorize the NFC payment transaction if it receives a response from said second mobile device that enables said first mobile device to authorize the NFC payment transaction.