Patent ID: 8423462

Claim:
A computer implemented method of completing a payment using a mobile wallet server (MWS), the method comprising: under control of one or more computing devices configured with executable instructions, receiving an approval request via an application executed by a mobile device, the approval request identifying at least a payment amount and an entity; displaying a wallet server that contains selectable payment information to satisfy the approval request; designating a response received via a user input and stored by the application, the response being an approval or a rejection of the approval request; establishing, via the application executed by the mobile device, an ad hoc communication with at least one of the entity or a satellite user that initiates the approval request, the ad hoc communication to facilitate an exchange of dialog between a user of the mobile device and the entity or satellite user; and transmitting the response to the entity, where the response includes at least a portion of the selectable payment information when the response is the approval.