Patent ID: 9721282
Date: 2017-08-01
CPC Classifications: G06Q,H04L,H04W

Claim:
1. A method comprising: under control of a mobile device of a customer, the mobile device being configured with executable instructions, presenting, via the mobile device to the customer, a list of one or more merchants that have each established an account with an online service that processes electronic payments from mobile devices; receiving, by the mobile device from the customer, a selection of a merchant from the list of one or more merchants; receiving, by the mobile device from the customer, an indication of a payment amount for an item provided by the merchant; sending, from the mobile device and over a network, an instruction to transfer the payment amount from an account associated with the customer to an account associated with the merchant; at least partly responsive to the account associated with the merchant receiving the payment amount from the account associated with the customer, receiving, by the mobile device via the network, (i) a receipt for the payment amount, (ii) verification data previously selected by the merchant such that the merchant is familiar with the verification data, and an authentication challenge previously selected by the merchant for accessing, by the merchant, the verification data with the mobile device; receiving, by the mobile device from the merchant, a valid response to the authentication challenge; at least partly responsive to receiving the valid response, causing the verification data to be presented via the mobile device to the merchant thereby assuring the merchant that the payment amount has been successfully transferred from the account associated with the customer to the account associated with the merchant; receiving, by the mobile device from the merchant, an indication that the item was provided to the customer; receiving, by the mobile device from the merchant, a command to block subsequent presentation of the verification data without a subsequent payment transferred from the account associated with the customer to the account associated with the merchant; and at least partly responsive to the command, blocking subsequent presentation of the verification data so that a subsequent valid response to the authentication challenge does not cause a subsequent presentation of the verification data by the mobile device incorrectly indicating that a subsequent payment amount has been transferred from the account associated with the customer to the account associated with the merchant.