Abstract: For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. The mobile device uploads the point-of-sale code to the clearing house. The clearing house downloads a purchase menu to the mobile device. The clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house determine whether the point-of-sale device is in communication with the clearing house. In response to the point-of-sale device being in communication with the clearing house, the clearing house communicates the payment authorization to the point-of-sale device at a device address determined from the point-of-sale code. In response to the point-of-sale device not being in communication with the clearing house, the clearing house communicates the payment authorization through the mobile device to the point-of-sale device. The point-of-sale device completes a transaction for the transaction amount at the point-of-sale device.

Abstract: For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. The mobile device uploads the point-of-sale code to the clearing house. The clearing house downloads a purchase menu to the mobile device. The clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house determine whether the point-of-sale device is in communication with the clearing house. In response to the point-of-sale device being in communication with the clearing house, the clearing house communicates the payment authorization to the point-of-sale device at a device address determined from the point-of-sale code. In response to the point-of-sale device not being in communication with the clearing house, the clearing house communicates the payment authorization through the mobile device to the point-of-sale device. The point-of-sale device completes a transaction for the transaction amount at the point-of-sale device.

Abstract: For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. A clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house communicates the payment authorization through the mobile device to the point-of-sale device. The point-of-sale device completes the transaction in response to receiving the payment authorization.

Abstract: For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. A clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house communicates the payment authorization through the mobile device to the point-of-sale device. The point-of-sale device completes the transaction in response to receiving the payment authorization.

Abstract: For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. A clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house communicates the payment authorization to the point-of-sale device. The point-of-sale device completes the transaction in response to receiving the payment authorization.

Abstract: For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. A clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house communicates the payment authorization through the mobile device to the point-of-sale device. The point-of-sale device completes the transaction in response to receiving the payment authorization.

Abstract: A system for transmitting information between a seller and a supplier uses a web services application to interface between a seller application and the supplier's server. The web services application uses a proxy to transmit information from the web services application to the supplier's server in a secure and reliable manner. The information is transmitted via HTTP using SOAP messages that conform to WSDL. In such a manner, the web services application can transmit selected information to the supplier's server, without any need to re-key redundant information. The proxy provides various services, such as encryption/decryption, digital signing, non-repudiation services, reporting capabilities, and software updating capabilities.