Patent ID: 8934865
Filing Date: 2015-01-13
Classification: G06Q,G07F,H04W

Abstract:
1. A method for authenticating a user transaction with a vendor, the user having a mobile device, the method comprising: receiving, at a mobile service provider, identification information associated with said user and an identifier associated with said mobile device, wherein the received mobile device identifier comprises at least one of a cell phone number, a subscriber identity module (SIM) card number, and an electronic serial number (ESN), and the user identification information comprises one or more of a name and an address of a registered user; determining, at the mobile service provider, that the received mobile device identifier and user identification information are associated with a mobile device and a corresponding registered user of the mobile service provider, generating and transmitting said randomized key string toward the mobile device according to a periodic schedule; and transmitting said randomized key string toward the vendor in response to receiving from the vendor said mobile device identifier and said user identification information of the registered user of the mobile service provider,