Patent ID: 7996268
Filing Date: 2011-08-09
Classification: G06Q,G07F

Abstract:
1. A method for making a payment by a user to a merchant, the method comprising: storing payment identifier information of the user at a storage device in a central processing computer; receiving from a wireless communication device of the user a payment command, the step of receiving being performed by the central processing computer; enabling the user to cause a payment corresponding to the payment command to be made to the merchant for processing a transaction of a purchase of a good or service without storing the payment identifier information at the wireless communication device; retrieving, in response to receiving the payment command by the central processing computer, the payment identifier information from the storage device in the central processing computer; transmitting to a merchant computer of the merchant, by the central processing computer, the payment identifier information retrieved from the storage device in the central processing computer, wherein the user requests the central processing computer provide a pre-specified payment identifier to the merchant computer; and consummating the transaction.