Abstract: A mobile payment system includes a web browsing capable device in communication with a world wide web to make purchases online at an online store. A mobile payment device having securely stored payment information is connectable to the web browsing capable device through a server to provide payment for the online purchase. The mobile payment device is associated with the web browsing capable device by a mobile identity. The online store is connectable to a payment network to exchange payment messages upon receiving an authorization request from the mobile device through the web browsing capable device.

Abstract: A mobile payment method includes making a mobile payment request an automated response system of a merchant store for a purchase. A mobile number of a mobile device is provided to the automated response system. Payment information including the mobile number and a payment amount is sent from the automated response system to the mobile payment server. A Uniform Resource Locator (URL) link is created by the mobile payment server and contains transaction information. The URL link is sent to the mobile device where a customer selects the URL link to set up a Hypertext Transfer Protocol Secure (HTTPS) session. A program script is downloaded. A payment transaction is confirmed by the mobile device which generates and sends encrypted payment data to a payment network through the mobile payment server.

Abstract: A mobile payment system including a merchant, a mobile device having mobile payment capability, a server couplable to a payment network, and a merchant computing device couplable to the server. A purchase request is made of the merchant and a purchase identification is associated with the purchase. The purchase information is entered into the merchant computing device and the purchase identification is sent to the server with payment information. Mobile payment communication is established between the mobile device and the server using the purchase identification and a mobile payment for the purchase is made from the mobile device to a payment network through the server.

Abstract: A mobile payment method includes the steps of making an online purchase at an online store with payment information being received by a web browsing capable device. The web browsing capable device connects to a server and a payment request including a VID is sent to the server. The server verifies the VID. A mobile payment device is connected to the server. A token request is sent to the mobile device upon verification of the VID. A token response is sent to the server. Information is archived to a database and a cookie associated with the VID is created. The cookie with associated VID is archived. A payment response is sent to the web browsing capable device. An authorization request is sent to the online store, and the online store authorizes the transaction with a payment network.