Patent ID: 7853523
Filing Date: 2010-12-14
Classification: G06Q

Abstract:
1. A method of approving a transaction between a customer and a merchant, the method comprising: receiving, by a verification computing system, a verification request for a transaction from a merchant device, the verification request comprising first data indicating a first portion of payment account information; transmitting, by the verification computing system, a first verification string to the merchant device; receiving, by the verification computing system, second data indicating a second portion of payment account information from a customer device; determining a payment account number based at least on the first portion and the second portion of payment account information; initiating approval of the transaction using the payment account number; and upon determining that the transaction is approved, transmitting, by the verification computing system, a second verification string to the customer device, wherein the transaction is verified and/or completed by the merchant device in response to the merchant device receiving the second verification string from the customer device and the merchant device matching the first and the second verification strings.