Portable electronic device for exchanging values and method of using such a device

A personal portable electronic device enabling a debtor to initiate a transfer of one of a monetary and an other amount, said device comprising:

• a near-field wireless communication module configured to communicate at a maximum distance of one meter, the near-field wireless communication module comprising an integrated circuit and an antenna, the near-field wireless communication module conforming to a Near Field Communication (NFC) standard;
• and
• a central processing unit in operational communication with the near-field wireless communication module, the central processing unit being configured to initiate an initial transaction request and send a corresponding message to a personal portable electronic device of a creditor, the initiating and sending comprising:
• receiving, via said near-field wireless communication module, a reference of one of an account to be credited and said creditor;
• receiving data relating to one of said monetary and other amount;
• receiving a command to accept said transfer;
• authenticating said acceptance command;
• and
• upon said authenticating of said acceptance command being successful, sending securely the corresponding message, including said data and said received reference, directly to the personal portable electronic device of said creditor of said transfer via said near-field wireless communication module, so as to carry out the transfer of the one of said monetary and said other amount.

A personal portable electronic entity for enabling a creditor to proceed to transfer one of a monetary and an other amount, said device comprising:

• a near-field wireless communication module configured to communicate at a maximum distance of one meter, the near-field wireless communication module comprising an integrated circuit and an antenna, the near-field wireless communication module conforming to a Near Field Communication (NFC) standard;
• and
• a central processing unit in operational communication with the near-field wireless communication module, the central processing unit being configured to
• receive, from a personal portable electronic entity of a debtor, an initial request in the form of a secure message including data linked to one of said monetary and an other amount, said initial request being received directly via said near-field wireless communication module,
• add complementary information to said received secure message, a completed secure message forming at least part of a transaction message, and
• send said transaction message, so as to carry out the transfer of one of said monetary and said other amount.

A transaction message system that performs safe transaction message transmissions between a debtor and a creditor, comprising:

• a first personal portable electronic device utilized by the debtor, and a second personal portable electronic device utilized by the creditor,
• each of the first and the second personal portable electronic devices comprising a near-field wireless communication module conforming to a Near Field Communication (NFC), an integrated circuit, and an antenna so as to communicate at a maximum distance of one meter,
• wherein:
• at least one of the first and the second personal portable electronic devices is configured to initiate transfer of one of a monetary and an other amount, and comprises a central processing unit configured to, in operation via the near-field wireless communication module, initiate an initial transaction request and send a corresponding transaction message to the other of the first and the second personal portable electronic devices, said corresponding transaction message comprising data linked to the one of said monetary and said other amount
• the corresponding transaction message being transmitted directly between the first and the second personal portable electronic devices via the near-field wireless communication modules of the first and the second personal portable electronic devices, so as to carry out the transfer of one of said monetary and said other amount.