Patent ID: 8185443

Claim:
A system for authorizing a transaction comprising: a memory storing at least an identification number uniquely associated with a customer and an authorization code associated with the transaction; and a processor configured to: display to a customer on a computer a product offered for sale on a product server, the computer and the server each being in communication with an internet; receive a request for purchase via the computer the product at a selected price; send the computer a request authorization field inviting the customer to enter an identification number uniquely associated with the customer; receive, from the customer, the unique identification number entered into the request authorization field; verify the identification number; transmit an authorization code to a communication device associated with the customer via the unique identification number; receive, from the customer, the authorization code entered into an authorization field displayed on the computer; verify the authorization code; offer the customer an incentive to charge the purchase to an account other than a customer's cellular phone carrier account; select an account associated with the customer to charge the purchase from a plurality of customer accounts; and charge the price to the selected account associated with the customer.