Patent ID: 8374916

Claim:
A system for securely processing transactions comprising: a mobile communications device having a client payment logic, the client payment logic generating a payment number through an addition, a subtraction, a multiplication, an appending, and a mixing of a random number generated by the client logic with a one-time digital key; a point-of-sale device in communication with the mobile communications device, the point-of-sale device having a vendor payment logic; the vendor payment logic sending a one-time digital key to the mobile communications device via wireless communication upon determining that the mobile communications device is not connected to a payment server through a cellular network; and said payment server in communication with the mobile communications device through the cellular network and the point-of-sale device through a second connection, the payment server having a server payment logic; wherein the server payment logic, sends the one-time digital key to the mobile communications device upon determination that the mobile communications device is connected to the payment server via a cellular network; receives the payment number and an amount from the point-of-sale device, the payment number sent to the point-of-sale device from the mobile communications device; disassembles the payment number into the one-time digital key and the random number; verifies the one-time digital key; generates an identical random number using an identical algorithm to an algorithm used to generate the random number by the client payment logic; compares the disassembled random number to the generated identical random number; and deducts the amount from an account associated with the mobile communications device based on the result of the comparison.