Patent ID: 8639619

Claim:
A server-based method of facilitating payment by a user registered with a server, the method comprising, at the server: using a processor to generate, for the user, a code and store the code in a memory; transmitting, via a communication module, the code to a mobile device of the user; transferring information characterizing a payment instrument from the user to a payment-processing entity utilizing a server routing or a redirect client-side script without storing the payment-characterizing information at the server after completion of the registration; receiving, from the payment-processing entity via the communication module, a token encoding the user's account-identifying information; using the processor to computationally associate the token with the user; receiving, from a merchant device via the communication module, the code and a payment amount; using the processor to match the received code to the user and retrieve the token associated with the user; and providing the token and the payment amount to the payment-processing entity, via the communication module, to cause completion of a transaction between the user and the merchant, wherein providing the code or token alone does not enable completion of the transaction.