Patent ID: 8752154

Claim:
A system comprising: a memory operable to store a plurality of accounts, each account associated with a user and with a mobile device of the user, each account further associated with: an account identifier; an authentication token issued to the mobile device; a mobile device identifier associated with the mobile device and comprising the International Mobile Equipment Identity number associated with the mobile device, and a user identifier associated with the user; and a processor coupled to the memory and operable to: receive a request for authentication and user credentials over a network from a requesting mobile device, wherein the request for authentication was communicated in conjunction with the requesting mobile device requesting a transaction from a second device, the user credentials comprising: a second account identifier; a second authentication token associated with the requesting mobile device; a second mobile device identifier associated with the requesting mobile device; and a second user identifier associated with the requesting user; retrieve, from the plurality of accounts, the account associated with the account identifier that matches the second account identifier; compare the second authentication token with the authentication token associated with the retrieved account; compare the second mobile device identifier with the mobile device identifier associated with the retrieved account; compare the second user identifier with the user identifier associated with the retrieved account; send an authentication-confirmation message to the second device if the second authentication token matches the authentication token associated with the retrieved account, if the second mobile device identifier matches the mobile device identifier associated with the retrieved account, and if the second user identifier matches the user identifier associated with the retrieved account, wherein the second device is operable to process the transaction in response to receiving the authentication-confirmation message; and issue the authentication token to the mobile device in conjunction with a request from the user prior to receiving the request for authentication.