Patent ID: 8095113

Claim:
A onetime password server comprising: an input-output interface; memory; and a a processor coupled with the input-output interface and the memory, wherein the processor includes instructions for generating a first onetime password; associating the first onetime password with a first account number; looking up a mobile device phone number or identification number associated in the memory with the first account number; transmitting the first onetime password to a mobile device through the input-output interface using the mobile device phone number or identification number; receiving a second onetime password and a second account number from a point of sale device via the input-output interface; determining whether the second onetime password and the first onetime password match; in the event that the second onetime password and the first onetime password match, authenticating a transaction for use with the second account number; and in the event that the second onetime password and the first onetime password do not match, denying authentication of a transaction for use with the second account number.