Patent ID: 8805326

Claim:
A system comprising: a memory storing user account information, wherein the information comprises a mobile phone number for a user account; and one or more processors for receiving, by a third party payment provider, a payment request from a merchant application on a user mobile device, wherein the payment request comprises a phone number for the user mobile device and a payment amount; verifying, by the third party payment provider, the phone number with a user account with the third party payment provider, comprising generating, by the third party payment provider, a one-time token, transmitting, by the third party payment provider, the one-time token to the user mobile device, and receiving, by the third party payment provider, the one-time token from the user mobile device; transmitting the payment request, by the third party payment provider, to a mobile operator providing wireless communication services for the user mobile device; receiving, by the third party payment provider, an approval or decline notification determined by and from the mobile operator; processing, by the third party payment provider, the payment request upon receiving the approval, wherein the processing comprises charging the payment amount to an account of the user with the mobile operator; and transmitting, by the third party payment provider, a notification to the user mobile device.