Card-to-card direct communication

A smart card contactless payment system, the system enabling a first active smart card to perform a transaction with a second active smart card, the first active smart. card and the second active smart card having dimensions that conform to the ISO/IEC 7810 ID-I standard, the dimensions being no greater than 86 millimeters X 54 millimeters X 0.8 millimeters, the system comprising:

• the first and second active smart card, the first active smart card being an initiator Cos transaction and the second active smart card being a recipient of the transaction, each of the first and second active smart card comprising:
• an active near field communication (“NFC”) reader enabling a direct wireless communication between the first active smart card and the second active smart card when the first active smart card is within a pre-determined distance to the second active smart card;
• alt NFC tag for storing data, the NFC tag being a re-writable tag;
• a nano wireless network interface card (“NW”) configured to enable establishing a wireless connection;
• a microprocessor configured to enable processing, storing and transmitting card ID data;
• a battery;
• a keypad comprising a display and raised numerical keys, wherein a thickness of the first and second active smart card together with the raised numerical keys does not exceed the 0.8 millimeters, the keypad configured to accept input of a personal identification number and a transaction amount;
• and
• a display connector configured to intermediate between the keypad, the display and the microprocessor;
• a Wi-Fi device configured to enable the NIC to establish the wireless connection;
• and
• a payment network in communication with the first and second active smart card via the Wi-Fi device;
• and
• wherein when the first active smart card is positioned within the pre-determined distance to the second active smart card, the system is configured to enable the communication between the first and second active smart card pursuant to the following steps;
• retrieving card ID data associated with the second active smart card, using the active NEC reader associated with the first active smart card;
• acknowledging and confirming the card ID data using the microprocessor embedded in the first active smart card by displaying a name of cardholder associated with the second active smart card on the display of the first active smart card, and using the keypad, receiving authentication by the cardholder of the first active smart card;
• using the active NEC reader associated with the second active smart card, retrieving from the first active smart card:
• card ID data associated with the first active smart card;
• and
• a transaction amount inputted into the keypad of the first active smart card;
• acknowledging and confirming the card ID data associated with the first active smart card using a microprocessor embedded in the second active smart card by displaying a name of a cardholder associated with the first active smart card on the display of the second active smart card, and using the keypad, receiving authentication by the cardholder of the second active smart card:
• and
• in response to the acknowledging, completing the transaction by transferring a value of the transaction amount from the first active smart card to the second active smart card using the first active smart card and the payment network.

A method for performing a direct contactless transaction between a first active smart card and a second active smart card, the first active smart card being an initiator of a transaction and the second active smart card being a target of the transaction, the first active smart card is outside a maximum near-field communication (“NFC”) range from the second active smart card, the method comprising;

• activating the first active smart card to perform the transaction, the activating comprising receiving, on a keypad at the first active smart card, input of a personal identification number (“PIN”), wherein the keypad on both the first and second active smart card comprises a display and a display connector, the display connector configured to intermediate between the keypad, the display and a microprocessor embedded in each of the first and second active smart card;
• verifying the PIN being associated with the first active smart card;
• subsequent to the verifying, receiving input of an account number associated with the second active smart card and a transaction amount;
• transmitting card D data including the transaction amount, the account number and card ID data associated with the first active smart card to a payment network;
• verifying, using the payment network, the transaction amount, the account number and the card ID data;
• in response to the verifying, performing the transaction, independent of the second active smart card, using the microprocessor embedded in the first active smart card and the payment network;
• and
• displaying, on the display of the second active smart card, a message confirming a completion of the transaction.