Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for securing sensitive user data. One of the methods includes receiving a request for user input; providing the request to a remote location; receiving, at a user device, code executable by display hardware to render a user interface configured to receive the user input; capturing information identifying the particular display device locations to which the user provided input on the rendered user interface; and providing the information to the remote location that maps the captured information to user interface information to determine the user input.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for securing sensitive user data. One of the methods includes receiving a request for user input; providing the request to a remote location; receiving, at a user device, code executable by display hardware to render a user interface configured to receive the user input; capturing information identifying the particular display device locations to which the user provided input on the rendered user interface; and providing the information to the remote location that maps the captured information to user interface information to determine the user input.

Abstract: In a mobile payment system, registered users or members may send payment to other member or unregistered users or nonmembers. In a specific implementation, a person-to-person payment system allows existing members of a payment system to send funds to nonmembers with the intent that the nonmember becomes a member. This ability of a payment system may be referred to as “viral” because it promotes new member registrations in an exponential spreading fashion.

Abstract: A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions may be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions may be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.