Abstract: The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.

Abstract: The specification and drawing figures describe and show a system for making a payment across a point-of-sale device that includes at least one a payment instrument having financial data required to conduct a financial transaction across a credit network. The system also includes a mobile wireless instrument having a data processor operatively connectable to the point-of-sale device and to the payment instrument. At least one algorithm is provided for transmitting the financial data from the payment instrument to the data processor of the mobile wireless instrument, and for decrypting an encryption key, as well as transmitting an instruction from the mobile wireless instrument to the point-of-sale device to authorize the payment.

Abstract: The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.

Abstract: The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.

Abstract: The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.

Abstract: The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.

Abstract: The specification and drawing figures describe and show a system for making a payment across a point-of-sale device that includes at least one a payment instrument having financial data required to conduct a financial transaction across a credit network. The system also includes a mobile wireless instrument having a data processor operatively connectable to the point-of-sale device and to the payment instrument. At least one algorithm is provided for transmitting the financial data from the payment instrument to the data processor of the mobile wireless instrument, and for decrypting an encryption key, as well as transmitting an instruction from the mobile wireless instrument to the point-of-sale device to authorize the payment.

Abstract: The specification and drawing figures describe and show computer implemented financial data apparatus that includes a mobile wireless communications instrument. A data processing system is operatively connected to the mobile wireless communications instrument. A plurality of user programmable sets, of instruction executable by the data processing system is provided. The combination of the mobile wireless communications instrument and plurality of user programmable sets of instruction executable by the data processing system allows a user to conduct selective financial transactions, such as making payments in connection with a plurality of payment instruments across a credit network, and conducting a variety of other financial transactions across any number of networks and databases.

Abstract: The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem.