System and method for minimal contact in-person business transactions using a banking card and mobile device

摘要

A system and method for minimal contact in-person business transactions using a banking card and mobile device, using a banking card, mobile device, card reader and associated display, cashier display at a point-of-sale (“POS”) system, internet-connected server, and financial institution, which minimizes customer physical contact with payment personnel or physical systems by offloading the final stages of sale confirmation and customer choices onto a customer's mobile device.