Abstract: A personal communication device for processing financial information via a payment terminal, the payment terminal being configured to output a wireless signal is configured to receive the wireless signal of a payment terminal; determine whether the received wireless signal has a strength above a first signal threshold. If the received signal strength is above the first signal strength threshold, it emits a wireless request signal to cause the payment terminal to establish a communication channel with the personal communication device, wherein the request signal causes the payment terminal to establish only one communication channel, wherein the communication channel is only between the said personal communication device and the payment terminal.

Abstract: A personal communication device for processing financial information via a payment terminal, the payment terminal being configured to output a wireless signal is configured to receive the wireless signal of a payment terminal; determine whether the received wireless signal has a strength above a first signal threshold. If the received signal strength is above the first signal strength threshold, it emits a wireless request signal to cause the payment terminal to establish a communication channel with the personal communication device, wherein the request signal causes the payment terminal to establish only one communication channel, wherein the communication channel is only between the said personal communication device and the payment terminal.

Abstract: A method of operating a payment terminal comprises receiving an activation input, and in response thereto outputting a first wireless signal for communicating with an external payment device of a first type and a second wireless signal for communicating with an external payment device of a second type. The first and second wireless signals are formatted in respective mutually different first and second protocols. The method further comprises receiving a reply to one of the first and second wireless signals and in response to the reply, terminating outputting of the other of the first and second wireless signals.