A SYSTEM FOR MERCHANT AND NON-MERCHANT BASED TRANSACTIONS UTILIZING SECURE NON-RADIATING COMMUNICATIONS WHILE ALLOWING FOR SECURE ADDITIONAL FUNCTIONALITY

摘要

Methods, apparatuses, non-transitory computer program products, systems, and mobile terminal devices are disclosed for performing wireless financial transactions which separate an account identification and transaction authorization from a single charge card into two separate elements, which include at least an encrypted account identifier and a transaction-adaptive, context sensitive, dynamically content-rich, transaction authorization.