Patent ID: 8245044

Claim:
A transaction processor, comprising: an electronic processor; a memory coupled to the electronic processor; and a set of instructions stored in the memory which, when executed by the electronic processor cause the payment transaction processor to receive a request to authorize a payment transaction initiated by a consumer using a merchant's web-site, the payment transaction initiated by the consumer using a first device coupled to a first communications channel; enable a consumer to download an application to a second device, the application providing the second device with the ability to access a digital certificate associated with the consumer; process the received request to authorize the transaction to determine a payment account associated with the consumer; determine, based on the payment account, data that may be used to contact the consumer on the second device; send a request to the consumer to approve the transaction by sending the request to the second device over a second communications channel; and in response to the request sent to the consumer to approve the transaction, receive a message from the consumer generated by the second device and provided over the second communications channel, the message approving or denying the transaction and including the digital certificate associated with the consumer, the certificate serving to authenticate the consumer.