Patent ID: 8732022

Claim:
A system, comprising: a mobile communications device having an associated account and a client payment logic, wherein the client payment logic generates a payment number by combining a one-time digital key with a random number generated by the client payment logic and sends the payment number to a point-of-sale device; the point-of-sale device in communication with the mobile communications device, the point-of-sale device having a vendor payment logic, wherein the vendor payment logic sends the one-time digital key to the mobile communications device via a wireless communication upon determination that the mobile communications device is not connected to a payment server; and the payment server in communication with the mobile communications device through a cellular network and in communication with the point-of-sale device through a second network, the payment server having a server payment logic, wherein the server payment logic sends the one-time digital key to the mobile communications device upon determination that the mobile communications device is connected to the payment server via the cellular network, receives the payment number and an amount from the point-of-sale device, disassembles the payment number into the one-time digital key and the random number, verifies the one-time digital key, generates an identical random number using an identical random number generator algorithm, compares the random number as disassembled with the identical random number, and deducts the amount from the associated account when the random number as disassembled and the identical random number match.