Patent ID: 8145189

Claim:
A method for communicating information securely between a client device and a computer, comprising: receiving one or more encryption keys at the computer through a first wireless communication technique that includes near field communication, wherein the first wireless communication technique operates over a first distance; communicating a document to the client device from the computer through a second wireless communication technique that includes a technique other than near field communication, wherein the second wireless communication technique operates over a second distance which is greater than the first distance, and wherein the document is associated with a financial transaction conducted with a commercial establishment; receiving the document at the client device through the second wireless communication technique; authorizing the document by a consumer at the client device to generate an authorized document, wherein the authorized document includes an authorization by the consumer for the financial transaction, and wherein the authorized document is, at least in part, encrypted using the one or more encryption keys; communicating the authorized document from the client device to the computer through the second wireless communication technique; and receiving the authorized document at the computer through the second wireless communication technique, wherein the authorized document is used to authenticate the consumer and to approve the financial transaction by a financial institution.