Patent ID: 7909243
Filing Date: 2011-03-22
Classification: G06Q

Abstract:
1. A non-transitory, tangible computer-readable medium (“CRM”) having computer-executable instructions stored thereon that, when executed by a computer for mobile transactions, cause the computer to perform operations comprising: receiving a purchase request transmitted from a mobile communication device associated with a buyer; in response to the purchase request, requesting information relating to an identity of the buyer; receiving a response to the requesting the information; determining that the information and the response match; and electronically sending to the mobile device a surrogate financial account number to enable the buyer to complete a transaction, wherein the surrogate financial account number is encoded in a bar code, and wherein the surrogate financial account number is associated with a financial transaction account of the buyer, and wherein the transaction is associated with the purchase request, wherein the bar code is electronically read from the mobile communication device by a bar code scanner to process the transaction, wherein processing the transaction results in the financial transaction account of the buyer being charged, and wherein the instructions cause the computer to perform operations further comprising converting the surrogate financial account number into bar code format and into the bar code.