Patent ID: 8898086

Claim:
A payment verification system comprising: a processor; memory storing executable instructions that when executed by a processor cause the processor to perform the steps of: receiving a reversibly encrypted transmission packet comprising a random data string, a client identification number, a portion of an account number and an irreversibly encrypted inner packet, the irreversibly encrypted inner packet comprising an irreversibly encrypted form of a copy of the random data string, the account number, and a copy of the client identification number; decrypting the reversibly encrypted transmission packet and extracting the random data string, the client identification number, the portion of the account number, and the irreversibly encrypted inner packet; selecting a registered account number from a database based on the client identification number and the portion of the account number; irreversibly encrypting the random data string, the client identification number, and the registered account number in order to create a verification packet; and determining if the verification packet matches the received inner packet; and based on a determination that the verification packet matches the received inner packet, processing a payment using the registered account number.