Patent ID: 8321285

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 purchase 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 purchase request; prefix to the one-time-use perishable transaction code an Issuer Identification Number (IIN) to form a combined number, the IIN corresponding to the mobile-commerce platform; return the combined number to the user's mobile communication device via the network to enable the user to provide the combined number to a merchant's point-of-sale system in connection with a transaction corresponding to the purchase request; and receive, via a payment network in communication with the merchant's point-of-sale system, the one-time-use perishable transaction code and transaction details associated with the transaction corresponding to the purchase request, the IIN informing the payment network to route the one-time-use perishable transaction code and the transaction details to the mobile-commerce platform.