Abstract: A mobile payment method includes the steps of providing a mobile payment device having mobile payment capability and a mobile identity. Providing transaction information for a transaction and sending the transaction information to a server. The server prepares a URL link containing the transaction information and sends the URL link to the mobile payment device using the mobile identity. Clicking on the URL link sets up a HTTPS session and program script and validation token are downloaded to the mobile device. The payment can then proceed.

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: An electronic mobile recurring billing and mobile event triggered billing method using a payment processing server programmed to effectuate the operations of receiving from a network device a registration order as the basis for automatically establishing a payment configuration including a subscription ID with associated payment information, and a mobile identity to a mobile payment device. The payment process server determines a payment requirement for the subscription ID, retrieves payment information from a database using the subscription ID and sends a payment request message to the mobile payment device for payment. A Payment request message can be sent in SMS/MMS or email and can include an URL with embedded payment information.

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.

Abstract: A payment system for reducing fraud is payment card transactions. The system includes a payment device coupled through a merchant to a payment network and a fraud prevention system coupling an issuing bank to the payment network. The fraud prevention system includes a transaction processing module and a monitor/detect module. The transaction processing module receives transaction messages from the payment network and sends transaction messages to the payment network from the issuing bank and provides transaction processing to approve or reject transactions. The monitor/detect module is coupled between the transaction module and a database module storing payment method data. The monitor/detect module compares established payment precedent of parties to a transaction to detect fraud and sends feedback to the transaction processing module.

Abstract: A mobile payment method includes the steps of providing a mobile payment device having mobile payment capability and a mobile identity. Providing transaction information for a transaction and sending the transaction information to a server. The server prepares a URL link containing the transaction information and sends the URL link to the mobile payment device using the mobile identity. Clicking on the URL link sets up a HTTPS session and program script and validation token are downloaded to the mobile device. The payment can then proceed.

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 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 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.

Abstract: An online payment system and method including a mobile device with an NFC reader capability is disclosed. An online merchant is coupled in communication between a payment network and the mobile device. A contactless EMV IC card containing card information is provided for making a payment. The card information is readable from the contactless EMV IC card by the NFC reader of the mobile device and sent to the payment network.

Abstract: A payment system for reducing fraud is payment card transactions. The system includes a payment device coupled through a merchant to a payment network and a fraud prevention system coupling an issuing bank to the payment network. The fraud prevention system includes a transaction processing module and a monitor/detect module. The transaction processing module receives transaction messages from the payment network and sends transaction messages to the payment network from the issuing bank and provides transaction processing to approve or reject transactions. The monitor/detect module is coupled between the transaction module and a database module storing payment method data. The monitor/detect module compares established payment precedent of parties to a transaction to detect fraud and sends feedback to the transaction processing module.

Abstract: A mobile payment system including a web browsing capable device is in communication with a world wide web to make purchases online at a web page of an online merchant. A QR code is associated with a purchase from the online merchant and displayed on the web browsing capable device. A mobile payment device including securely stored payment information and having a camera is connectable to the online merchant to provide payment for the online purchase using information retrieved from the QR code displayed by the web browsing capable device and obtained by the camera. The online store is connectable to a payment network to exchange payment messages upon receiving payment information from the mobile device.

Abstract: A mobile payment system includes a web browsing capable device in communication with the Internet to make online purchases at online merchants, a mobile payment device having securely stored payment information, and a server to identify the mobile device and receive the payment information for the online purchase by the web browsing capable device.

Abstract: A mobile payment system includes a web browsing capable device in communication with the Internet to make purchases online at online stores, and a mobile payment device having securely stored payment information. The mobile payment device is locally or remotely connectable to the web browsing capable device to pay for online purchases. The mobile payment device includes a registration protocol employed to discover and register one or more web browsing capable device, and the mobile device is couplable to a card issuing bank to exchange payment messages.

Abstract: An arbitration engine manages applications in a portable communication device by identifying a comprehensive DSP image that includes all modules necessary to run a new application as well as currently active applications. The arbitration engine also includes a conflict detector that determines if simultaneously running the new application with the currently active applications results in a rule conflict or a hardware conflict. If no comprehensive DSP image is identified or if a conflict exists, a priority evaluator in the arbitration engine evaluates the priority of the new application relative to the maximum priority of the currently active applications. If the priority is greater than or equal to the maximum priority of the currently active applications, the new application is run.