[drdaeman]

What I don't get is how something like this could be patented. Isn't it all obvious? I think we had every single non-trivial component (single-use tokens passed over secure channels, initialize-send-retry_if_failed loops and other stuff) for years. If the "innovation" is that those are now used for payments over NFC — I don't get it. Or I've missed something novel on a quick glance.

[gvb]

You need to read the claims of the patent - it isn't patenting payments over NFC, it is on ways of recovering on NFC communications failures.

That still doesn't seem novel, but that is a different topic to argue than payment over NFC...