Patent ID: 8732022
Filing Date: 2014-05-20
Classification: G06Q

Abstract:
1. A system, comprising: a mobile communications device having an associated account and a client payment logic, wherein the client payment logic generates a payment number by combining a one-time digital key with a random number generated by the client payment logic and sends the payment number to a point-of-sale device; the point-of-sale device in communication with the mobile communications device, the point-of-sale device having a vendor payment logic, wherein the vendor payment logic sends the one-time digital key to the mobile communications device via a wireless communication upon determination that the mobile communications device is not connected to a payment server; and the payment server in communication with the mobile communications device through a cellular network and in communication with the point-of-sale device through a second network, the payment server having a server payment logic, wherein the server payment logic deducts the amount from the associated account when the random number as disassembled and the identical random number match.