Patent ID: 7194438

Claim:
A method enabling a user in a mobile environment to conduct transactions via a self-service merchant terminal, comprising: a) maintaining a security key in a mobile phone device; b) transferring the security key and mobile phone identification into at least one user portable fob or pilot via an initial short-range radio link; c) transferring the security key and the mobile phone identification from the at least one user portable fob or pilot to a self-service merchant terminal through the initial short-range radio link; d) establishing a secure short-range connection between the self-service terminal and the mobile phone based on the transferred security key and the mobile phone identification information from the at least on user portable fob or pilot, wherein the initial short-range radio link has a significantly smaller radio coverage than the secure short-range connection, and e) verifying the presence of a correct pilot by the terminal via computing and comparing an expected response from the mobile phone with the transferred security key.