Tap and wireless payment methods and devices

A method performed by a processor included in a portable device, where the portable device includes a contactless interface and a wireless network interface, with the method comprising:

• reading, using the contactless interface included in the portable device, transaction information associated with an electronic merchant device when the portable device is brought in close proximity to a contactless tag device associated with the electronic merchant device, where the electronic merchant device does not include a contactless interface, with the transaction information identifying the electronic merchant device and identifying a handover wireless connection between the portable device and the electronic merchant device and with the transaction information including customer preference and decision criteria for setting up a secure connection and security credentials required to form a secure connection;
• establishing a persistent, secure wireless connection, using the wireless network interface and the transaction information, between the portable device and the electronic merchant device;
• exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval;
• and
• closing the wireless connection at the end of the shopping interval.

A method performed by a processor associated with an electronic merchant device, where the electronic merchant device includes a contactless interface and a wireless network interface, with the method comprising:

• exchanging, using the contactless interface included in the electronic merchant device, transaction information associated with an electronic merchant device with a portable device brought in close proximity to the contactless interface associated with the electronic merchant device, where the portable device includes a contactless interface and a wireless interface, with the transaction information identifying the electronic merchant device and identifying a handover wireless connection between the portable device and the electronic merchant device and with the transaction information including customer preference and decision criteria for setting up a secure connection and security credentials required to form a secure connection;
• establishing a persistent, secure wireless connection, using the wireless network interface and the transaction information, between the portable device and the electronic merchant device;
• exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval;
• and
• closing the wireless connection at the end of the shopping interval.

A method performed by a processor associated with an electronic merchant device, where the electronic merchant device includes a contactless interface and a wireless network interface, with the method comprising:

• establishing a persistent, secure wireless connection, using the wireless network interface and the transaction information, with a portable device after the portable device reads the transaction information from a contactless tag device associated with the merchant electronic device, with the transaction information identifying the electronic merchant device and identifying a handover wireless connection between the portable device and the electronic merchant device and with the transaction information including customer preference and decision criteria for setting up a secure connection and security credentials required to form a secure connection;
• exchanging transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval;
• and
• closing the wireless connection at the end of the shopping interval.

A portable device comprising:

• a processor;
• a contactless interface;
• a wireless network interface;
• and
• a memory in communication with the processor, the memory storing program instructions, the processor operative with the program instructions to:
• exchange, using the contactless interface included in the portable device, transaction information associated with an electronic merchant device when the portable device is brought in close proximity to a contactless interface associated with the electronic merchant device, with the transaction information identifying the electronic merchant device and identifying a handover wireless connection between the portable device and the electronic merchant device and with the transaction information including customer preference and decision criteria for setting up a secure connection and security credentials required to form a secure connection;
• establish a persistent, secure wireless connection, using the wireless network interface and the transaction information, between the portable device and the electronic merchant device;
• exchange transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval;
• and
• close the wireless connection at the end of the shopping interval.

A portable device comprising:

• a processor;
• a contactless interface;
• a wireless network interface;
• and
• a memory in communication with the processor, the memory storing program instructions, the processor operative with the program instructions to:
• read, using the contactless interface included in the portable device, transaction information associated with an electronic merchant device when the portable device is brought in close proximity to a contactless tag device associated with the electronic merchant device, where the electronic merchant device does not include a contactless interface, with the transaction information identifying the electronic merchant device and identifying a handover wireless connection between the portable device and the electronic merchant device and with the transaction information including customer preference and decision criteria for setting up a secure connection and security credentials required to form a secure connection;
• establish a persistent, secure wireless connection, using the wireless network interface and the transaction information, between the portable device and the electronic merchant device;
• exchange transaction messages between the portable device and the electronic merchant device over the persistent, secure wireless connection during a shopping interval;
• and
• close the wireless connection at the end of the shopping interval.