Patent ID: 7716129
Filing Date: 2010-05-11
Classification: G06Q

Abstract:
1. A method of making a payment over the Internet from a payer to a payee, including the following steps: the payer accesses an Internet server from a computer or Internet device associated with the payer and transmits to the Internet server details of a proposed payment including an identifier associated with the payer; the payer's identifier, an identifier associated with the payee, and the payment amount are transmitted from the Internet server to an authentication agency; the authentication agency creates an authentication code relating to the payment and transmits it to a communications device associated with the payer; the payer receives the authentication code on the payer's communications device and transmits it, together with a secret identification code back to the authentication agency; the authentication agency verifies the authentication code and the secret identification code and authorizes payment; and a customer agency pays the payment amount to the payee; wherein the payer's communications device is one of the following types of mobile communications devices; a mobile telephone, a personal digital assistant, a pager, or a palmtop computer.