Patent ID: 8909553

Claim:
A computer program product, embodied in a non-transitory computer-readable medium, the computer program product being operable to cause data processing apparatus to perform operations comprising: receiving, from a first mobile phone, through a wireless carrier data network, at an application server, first data characterizing a request to provide a payment card settlement service, the first mobile phone being associated with a first mobile phone number, the request characterizing a payment card of a customer with which to settle a transaction and merchant account information of a merchant account; accessing, by the application server, a merchant account provider server to obtain processing of the request for the merchant account based on the merchant account information, the merchant account information comprising the first mobile phone number; receiving, at the application server and from the merchant account provider server, second data characterizing authorization to settle the transaction with the payment card for the merchant account; associating the payment card with a cardholder profile for the customer, the cardholder profile comprising a second mobile phone with a second mobile phone number, the cardholder profile being stored at a computing system associated with an issuer of the payment card or a payment card association; initiating, by the application server, wireless transmission of a request to authorize settlement of the transaction with the payment card, the request to be transmitted in accordance with a wireless mobile phone messaging protocol to the second mobile phone; receiving, by the application server, a message generated by the second mobile phone characterizing customer-generated input authorizing settlement of the transaction; and initiating, by the application server, wireless transmission of third data characterizing the authorization for the settlement based on receiving the message authorizing the settlement of the transaction from the second mobile phone, the third data wirelessly transmitted through the wireless carrier data network to the first mobile phone.