Abstract: The invention concerns a portable electronic transfer device using a near-field wireless communication module and a method of using it. The device includes means for entering an amount and an acceptance command so that a debtor can enter their personal identification number on their portable device and not on that of a third party. If the acceptance command is authenticated, a secure message containing the amount is sent via the near-field. wireless communication module to a creditor. The creditor can then add their references to the message and send it to effect the transaction. Alternatively, the creditor sends their references to the debtor via the near-field wireless communication module and the debtor can formulate a transaction request including the amount and the references of the creditor.

Abstract: A method and a portable electronic device enables a debitor to transfer a monetary or other amount to a creditor, in particular via a near-field wireless communication module. After receiving information for authenticating the debitor via the communication module and after receiving data linked to the monetary or other amount, a transaction request including the data is created and sent. The transaction request is advantageously sent via a mobile telephone network or via a data communication network.

Abstract: A method and a portable electronic device enables a debitor to transfer a monetary or other amount to a creditor, in particular via a near-field wireless communication module. After receiving information for authenticating the debitor via the communication module and after receiving data linked to the monetary or other amount, a transaction request including the data is created and sent. The transaction request is advantageously sent via a mobile telephone network or via a data communication network.

Abstract: The invention concerns a portable electronic transfer device using a near-field wireless communication module and a method of using it. The device includes an element for entering an amount and an acceptance command so that a debitor can enter their personal identification number on their portable device and not on that of a third party. If the acceptance command is authenticated, a secure message containing the amount is sent via the near-field wireless communication module to a creditor. The creditor can then add their references to the message and send it to effect the transaction. Alternatively, the creditor sends their references to the debitor via the near-field wireless communication module and the debitor can formulate a transaction request including the amount and the references of the creditor.