Patent ID: 7014107

Claim:
A transaction method for credit payment authorization for selective goods and services using a mobile device by transmitting a public part of a payment authorization token from a validation platform to a service provider, and by transmitting a private part of the payment authorization token from a validation platform to a mobile device, and by transmitting the private part of payment authorization token from the mobile device to the service provider, comprising: transmitting a payment authorization request directly from the service provider to the validation platform connected via private communication networks; transmitting at least certain payment authorization request data entered by said service provider with the private part of payment authorization token from the validation platform together with a short message to the mobile device of a customer and displaying said short message on said mobile device, prompting for validation of the credit card payment authorization request; upon said customer validating said credit card payment authorization request, sending a copy of said short message to said service provider with a wireless communication network from said mobile device; transmitting at least certain payment authorization request data entered by said services provider with the validation platform generated public part of payment authorization token and a check digit of said private part of payment authorization token from the validation platform back to said service provider; and combining said private part of payment authorization token with said public part of payment authorization token by the service provider into a complete payment authorization token and transmitting said complete payment token with at least certain payment authorization request data to the validation platform for settlement of the credit card payment.