1) Customer scans the NFC phone on merchant POS terminal to make a payment
2) The payment application is downloaded into customer’s mobile phone secure temporary storage
3) The POS terminal communicates with the cloud provider to check if the customer has enough credit
4) Cloud provider transfers the required information to the POS
5) Based on the information which was sent to merchant, the POS terminal either authorizes the transaction or rejects customer's request
6) Merchant POS communicates with the cloud to update customer's account; if customer request is authorized,
the amount of purchase is withdrawn from customer’s account otherwise there would be no modification to his account