Abstract: A server includes a key generator and an authenticator. The key generator is configured to receive a request for a first key from a worker device, to create the first key that is associated with a worker, and to transmit the first key to the worker device. The authenticator is in communication with the key generator, the authenticator is configured to receive a second key and identification details from a customer device, to transmit the identification details to the worker device, to receive acknowledgment of the identification details from the worker device, and to authenticate the second key and the identification details with the customer device.

Abstract: A server includes a key generator and an authenticator. The key generator is configured to receive a request for a first key from a worker device, to create the first key that is associated with a worker, and to transmit the first key to the worker device. The authenticator is in communication with the key generator, the authenticator is configured to receive a second key and identification details from a customer device, to transmit the identification details to the worker device, to receive acknowledgment of the identification details from the worker device, and to authenticate the second key and the identification details with the customer device.

Abstract: A server includes a key generator and an authenticator. The key generator is configured to receive a request for a first key from a worker device, to create the first key that is associated with a worker, and to transmit the first key to the worker device. The authenticator is in communication with the key generator, the authenticator is configured to receive a second key and identification details from a customer device, to transmit the identification details to the worker device, to receive acknowledgment of the identification details from the worker device, and to authenticate the second key and the identification details with the customer device.

Abstract: A server includes a key generator and an authenticator. The key generator is configured to receive a request for a first key from a worker device, to create the first key that is associated with a worker, and to transmit the first key to the worker device. The authenticator is in communication with the key generator, the authenticator is configured to receive a second key and identification details from a customer device, to transmit the identification details to the worker device, to receive acknowledgment of the identification details from the worker device, and to authenticate the second key and the identification details with the customer device.

Abstract: A server includes a key generator and an authenticator. The key generator is configured to receive a request for a first key from a worker device, to create the first key that is associated with a worker, and to transmit the first key to the worker device. The authenticator is in communication with the key generator, the authenticator is configured to receive a second key and identification details from a customer device, to transmit the identification details to the worker device, to receive acknowledgment of the identification details from the worker device, and to authenticate the second key and the identification details with the customer device.

Abstract: A server includes a key generator and an authenticator. The key generator is configured to receive a request for a first key from a worker device, to create the first key that is associated with a worker, and to transmit the first key to the worker device. The authenticator is in communication with the key generator, the authenticator is configured to receive a second key and identification details from a customer device, to transmit the identification details to the worker device, to receive acknowledgment of the identification details from the worker device, and to authenticate the second key and the identification details with the customer device.

Abstract: A server includes a key generator and an authenticator. The key generator is configured to receive a request for a first key from a worker device, to create the first key that is associated with a worker, and to transmit the first key to the worker device. The authenticator is in communication with the key generator, the authenticator is configured to receive a second key and identification details from a customer device, to transmit the identification details to the worker device, to receive acknowledgment of the identification details from the worker device, and to authenticate the second key and the identification details with the customer device.

Abstract: Systems and methods are disclosed for mobile payment using dual-tone multi-frequency (DTMF) signals. A mobile device equipped with at least a speaker and an input is used to connect to a server on the mobile network. Upon authentication of a user of the mobile device, the server generates the payment key, translates the key to DTMF signals, and plays the DTMF signals over the speaker of the mobile device. The user holds the mobile device speaker close to a microphone of a DTMF scanner at a POS terminal. The DTMF scanner includes logic that extracts the payment key from the DTMF signals, and the POS terminal uses the payment key to bill the user. The POS terminal transmits the bill with the payment key to the server on the network. The server ensures that the key is active, and debits an account for the user based on the amount presented in the bill. The key is de-activated after a specified time period or one use, whichever occurs first.

Abstract: A server includes a key generator and an authenticator. The key generator is configured to receive a request for a first key from a worker device, to create the first key that is associated with a worker, and to transmit the first key to the worker device. The authenticator is in communication with the key generator, the authenticator is configured to receive a second key and identification details from a customer device, to transmit the identification details to the worker device, to receive acknowledgment of the identification details from the worker device, and to authenticate the second key and the identification details with the customer device.