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A first device with one or more processors, processors, memory, and two or more communication capabilities obtains, from a payment module, advertised information via a first communication capability (e.g., BLE), where the advertised information at least includes a current firmware version of the pay

A first device with one or more processors, processors, memory, and two or more communication capabilities obtains, from a payment module, advertised information via a first communication capability (e.g., BLE), where the advertised information at least includes a current firmware version of the payment module. In accordance with a determination that the current firmware version of the payment module satisfies one or more predefined firmware criteria (i.e., indicating that the payment module's firmware needs updating), the first device includes sends, to the payment module, firmware update information via the first communication capability, where the firmware update information includes one or more data packets for updating the current firmware version of the payment module.

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1. A method of updating firmware, comprising: at a first mobile device of a first potential transactor, wherein the first mobile device includes one or more processors, memory, and two or more communication capabilities, wherein the two or more communication capabilities include a first communicatio

1. A method of updating firmware, comprising: at a first mobile device of a first potential transactor, wherein the first mobile device includes one or more processors, memory, and two or more communication capabilities, wherein the two or more communication capabilities include a first communication capability and a second communication capability distinct from the first communication capability: while executing an application compatible with a mobile device-to-machine payment system: receiving, from a server of the mobile device-to-machine payment system, an update for the application and a firmware image for a payment module of the mobile device-to-machine payment system via the second communication capability;after receiving the update for the application and the firmware image for the payment module: updating the application based on the update; andstoring the firmware image for the payment module;subsequent to and independent from the receiving, the updating, and the storing, obtaining an information packet broadcast by the payment module via the first communication capability, wherein the information packet at least includes a current firmware version of the payment module and an authorization code for initiating a transaction for a payment accepting unit coupled with the payment module;comparing the current firmware version of the payment module with a version of the stored firmware image; andin accordance with a first determination that the current firmware version of the payment module does not match the firmware version of the firmware image stored by the first mobile device, sending, to the payment module, firmware update information via the first communication capability, wherein the firmware update information includes one or more data packets for updating the current firmware version of the payment module to the version of the firmware image stored by the first mobile device. 2. The method of claim 1, wherein the first communication capability corresponds to a short-range communication protocol. 3. The method of claim 1, further comprising: prior to the sending and in accordance with the first determination that the current firmware version of the payment module does not match the firmware version of the firmware image stored by the first mobile device, sending, to the server, a firmware update request so as to update the firmware of the payment module via the second communication capability;in response to sending the firmware update request, receiving from the server, a firmware update approval message; andin response to receiving the firmware update approval message, sending, to the payment module, the firmware update approval message;wherein sending the firmware update information via the first communication capability includes, in response to receiving the firmware update approval message from the server, sending, to the payment module, the firmware update information via the first communication capability. 4. The method of claim 3, wherein the firmware update approval message includes a verification value for each of the one or more data packets and a hash value for the firmware update information. 5. The method of claim 1, wherein the second communication capability corresponds to a long-range communication protocol. 6. The method of claim 1, wherein the information packet further includes an authorization zone threshold criterion for the payment module; and wherein sending, to the payment module, firmware update information via the first communication capability is in accordance with the first determination that the current firmware version of the payment module does not match the firmware version of the firmware image stored by the first mobile device and in accordance with a second determination that the authorization zone threshold criterion is satisfied. 7. The method of claim 1, further comprising: obtaining update status information, from the payment module, wherein the update status information indicates remaining packets for updating the current firmware version of the payment module. 8. The method of claim 1, further comprising: after sending the firmware update information, obtaining a subsequent information packet broadcast by the payment module that at least includes update status information. 9. The method of claim 8, wherein the update status information includes a verification request, the method further comprising: sending, to the server, at least the current firmware version and the verification request via the second communication capability;obtaining, from the server, a firmware command via the second communication capability; andsending, to the payment module, the firmware command via the first communication capability. 10. The method of claim 1, further comprising: at a second mobile device of a second potential transactor, wherein the second mobile device includes one or more processors, memory, and two or more communication capabilities, wherein the two or more communication capabilities include the first communication capability and the second communication capability distinct from the first communication capability: while executing the application compatible with the mobile device-to-machine payment system; receiving, from the server, an update for the application and the firmware image for the payment module via the second communication capability;after receiving the update for the application and the firmware image for the payment module: updating the application based on the update; andstoring the firmware image for the payment module;subsequent to and independent from the receiving, the updating, and the storing, obtaining an information packet broadcast by the payment module via the first communication capability, wherein the information packet at least includes a current firmware version of the payment module, update status information, and an authorization code for initiating a transaction for a payment accepting unit coupled with the payment module; andin accordance with a determination that the current firmware version of the payment module does not match the firmware version of the firmware image stored by the second mobile device, sending, to the payment module, firmware update information via the first communication capability, wherein the firmware update information includes one or more additional data packets for updating the current firmware version to the version of the firmware image stored by the second mobile device based at least in part on the update status information. 11. The method of claim 10, wherein the update status information identifies one or more remaining data packets for updating the current firmware version of the payment module. 12. The method of claim 10, wherein the update status information identifies one or more data packets received for updating the current firmware version of the payment module. 13. A mobile device of a potential transactor, comprising: two or more communication capabilities, wherein the two or more communication capabilities include a first communication capability and a second communication capability distinct from the first communication capability;one or more processors; andmemory storing one or more programs to be executed by the one or more processors, the one or more programs comprising instructions for: while executing an application compatible with a mobile device-to-machine payment system; receiving, from a server of the mobile device-to-machine payment system, an update for the application and a firmware image for a payment module of the mobile device-to-machine payment system via the second communication capability;after receiving the update for the application and the firmware image for the payment module: updating the application based on the update; andstoring the firmware image for the payment module;subsequent to and independent from the receiving, the updating, and the storing, obtaining an information packet broadcast by the payment module via the first communication capability, wherein the information packet at least includes a current firmware version of the payment module and an authorization code for initiating a transaction for a payment accepting unit coupled with the payment module;comparing the current firmware version of the payment module with a version of the stored firmware image; andin accordance with a determination that the current firmware version of the payment module does not match the firmware version of the firmware image stored by the mobile device, sending, to the payment module, firmware update information via the first communication capability, wherein the firmware update information includes one or more data packets for updating the current firmware version of the payment module to the version of the firmware image stored by the mobile device. 14. The mobile device of claim 13, wherein the first communication capability corresponds to a short-range communication protocol. 15. The mobile device of claim 13, wherein the one or more programs further comprise instructions for: prior to the sending and in accordance with the determination that the current firmware version of the payment module does not match the firmware version of the firmware image stored by the mobile device, sending, to the server, a firmware update request so as to update the firmware of the payment module via the second communication capability;in response to sending the firmware update request, receiving from the server, a firmware update approval message; andin response to receiving the firmware update approval message, sending, to the payment module, the firmware update approval message;wherein sending the firmware update information via the first communication capability includes, in response to receiving the firmware update approval message from the server, sending, to the payment module, the firmware update information via the first communication capability. 16. The mobile device of claim 15, wherein the firmware update approval message includes a verification value for each of the one or more data packets and a hash value for the firmware update information. 17. The mobile device of claim 13, wherein the second communication capability corresponds to a long-range communication protocol. 18. The mobile device of claim 13, wherein the one or more programs further comprise instructions for: after sending the firmware update information, obtaining a subsequent information packet broadcast by the payment module that at least includes update status information, wherein the update status information indicates remaining packets for updating the current firmware version of the payment module. 19. A non-transitory computer readable storage medium storing one or more programs, the one or more programs comprising instructions, which, when executed by a mobile device of a potential transactor with one or more processors and two or more communication capabilities, wherein the two or more communication capabilities include a first communication capability and a second communication capability distinct from the first communication capability, cause the mobile device to perform operations comprising: while executing an application compatible with a mobile device-to-machine payment system: receiving, from a server of the mobile device-to-machine payment system, an update for the application and a firmware image for a payment module of the mobile device-to-machine payment system via the second communication capability;after receiving the update for the application and the firmware image for the payment module: updating the application based on the update; andstoring the firmware image for the payment module;subsequent to and independent from the receiving, the updating, and the storing, obtaining an information packet broadcast by the payment module via the first communication capability, wherein the information at least includes a current firmware version of the payment module and an authorization code for initiating a transaction for a payment accepting unit coupled with the payment module;comparing the current firmware version of the payment module with a version of the stored firmware image; andin accordance with a determination that the current firmware version of the payment module does not match the firmware version of the firmware image stored by the mobile device, sending, to the payment module, firmware update information via the first communication capability, wherein the firmware update information includes one or more data packets for updating the current firmware version of the payment module to the version of the firmware image stored by the mobile device. 20. The non-transitory computer readable storage medium of claim 19, wherein the instructions cause the mobile device to perform operations further comprising: prior to the sending and in accordance with the determination that the current firmware version of the payment module does not match the firmware version of the firmware image stored by the mobile device, sending, to the server, a firmware update request so as to update the firmware of the payment module via the second communication capability;in response to sending the firmware update request, receiving from the server, a firmware update approval message; andin response to receiving the firmware update approval message, sending, to the payment module, the firmware update approval message;wherein sending the firmware update information via the first communication capability includes, in response to receiving the firmware update approval message from the server, sending, to the payment module, the firmware update information via the first communication capability. 21. The non-transitory computer readable storage medium of claim 20, wherein the firmware update approval message includes a verification value for each of the one or more data packets and a hash value for the firmware update information. 22. The non-transitory computer readable storage medium of claim 19, wherein the first communication capability corresponds to a short-range communication protocol. 23. The non-transitory computer readable storage medium of claim 19, wherein the second communication capability corresponds to a long-range communication protocol. 24. The non-transitory computer readable storage medium of claim 19, wherein the instructions cause the mobile device to perform operations further comprising: after sending the firmware update information, obtaining a subsequent information packet broadcast by the payment module that at least includes update status information, wherein the update status information indicates remaining packets for updating the current firmware version of the payment module.