Patent ID: 8725580

Claim:
A system for routing transactions to a mobile-commerce platform, comprising: at least one processor; and a memory connected with the at least one processor, the memory containing a plurality of program instructions configured to cause the at least one processor to: receive, via a network, a transaction request from a user's mobile communication device; authenticate the user to the mobile-commerce platform; generate a one-time-use perishable transaction code associated with the transaction request; append to the one-time-use perishable transaction code an Issuer Identification Number (IIN) to form a combined number, the IIN corresponding to at least one tender associated with the user; return the combined number to the user's mobile communication device via the network to enable the device to provide the combined number to a system associated with a merchant in connection with a transaction corresponding to the transaction request; and receive the one-time-use perishable transaction code and transaction details associated with the transaction corresponding to the transaction request from the system associated with the merchant.