Bank of America Corporation
Card-to-card direct payment with generated one-time password communicated from one card to a second card

Abstract:

An active smart card ("ASC") including an active near-field communication ("NFC") reader configured to enable an active wireless NFC communication directly with another active NFC-enabled smart card to perform a transaction is provided. The ASC may include a battery configured to power the active NFC reader. The ASC may include a thickness wherein at its thickest point, may not be thicker than. 8 millimeters ("mm"). The width and height of the ASC may not be smaller than 90% of a width of 86 mm and not smaller than 90% of a height of 54 mm. The ASC may include a keypad embedded on the ASC that may include a display and alpha-numerical keys. The keypad may not extend a thickness greater than 0.8 mm. The ASC may further include a microprocessor enabling processing and transmitting card ID data and to communicate with a payment network.