Patent ID: 8762211

Claim:
A method comprising: receiving transaction information at a mobile device from a merchant device, the transaction information including a transaction amount and merchant information that identifies a merchant that operates the merchant device; generating in said mobile device a funds transfer request, said funds transfer request including (a) said merchant information, (b) information that indicates said received transaction amount, and (c) information that identifies a customer of said merchant, said funds transfer request for requesting that funds be transferred from a payment card account that belongs to said customer to a payment card account that belongs to said merchant; transmitting said funds transfer request from said mobile device to a financial institution that issued said payment card account that belongs to said merchant, via a financial institution that issued said payment card account that belongs to said customer; receiving, by the mobile device of the customer, a challenge from the financial institution that issued the customer's payment card account to provide a picture of the customer taken by the mobile device after transmission of the funds transfer request; and transmitting, by the mobile device, the picture of the customer to the financial institution that issued the customer's payment card account to authenticate the customer.