System and method for trusted mobile device payment

1. A system for electronically executing a purchase transaction by a user comprising:

A remote mobile device comprised of a display screen;

A transaction server adapted to receive from the remote mobile device a first request to initiate the purchase transaction, said transaction server further adapted to verify that the first transaction initiation request received from the mobile device is authorized and in dependence on such verification transmit to the remote mobile device a data object associated with the initiated transaction, wherein the data object includes at least one of a bar code or QR code; where the remote mobile device is operatively connected to the transaction server using a data network, said remote mobile device adapted to receive the data object and to display the data object on its display screen as an image and said transaction server being operatively connected to a database having a data record associated with the first request and the data object;

A second device located at a point of sale operatively connected to the transaction server using a data network, said second device being adapted to detect the data object displayed by the remote mobile device to provide a detected data object and further adapted to transmit to the transaction server a second request to verify the initiated transaction, said second request being comprised of data derived from the detected data object and biometric data, and the transaction server being further adapted to receive the second request to verify the initiated transaction referenced by the received second request by using data extracted from the received second request to provide a verified transaction and to allow the verified transaction to be executed.

2. The system of claim 1 , where the biometric data is one of a picture of a face, a fingerprint scan, an iris scan, a picture of an eyeball.

3. The system of claim 1 , where the system is further adapted to retrieve from the database an image associated with the remote mobile device and transmit the image to the second device located at the point of sale in order to cause the second device to display the image.

4. The system of claim 1 , where the system is further adapted to verify the transaction by querying the database for a data record associated with the pending transaction using an alpha-numeric data value derived from the detected data object.

5. The system of claim 1 , further comprising a payment gateway adapted to receive a payment detail, where the payment gateway is a cell phone service provider server adapted to receive the payment detail, said payment detail comprised of identifying information associated with a user's customer account and an amount of money to be posted as a charge to the user's account, said user being associated with the remote mobile device.

6. The system of claim 1 , where the second transaction request is comprised of a time stamp where the transaction server is further adapted to not complete the transaction if the time stamp is older than a predetermined amount of time.

7. The system of claim 1 , where the transaction request is comprised of location data derived from data received from the remote mobile device and the transaction server is further adapted to permit the verification of the transaction if the derived location data indicates proximity to the device located at the point of sale.

8. The system of claim 1 , where the transaction server is further adapted to transmit to the remote mobile device a data message representing details of the transaction or a hyper-link to a location that will cause the display of such detail.

9. The system of claim 1 , where the database is further comprised of a data record associated with the user, said data record comprised of a UDID data value of a device, a user-id, a password and payment scheme details.

10. The system of claim 1 , further comprising a payment gateway adapted to receive a payment scheme detail, where the payment scheme detail is comprised of a credit card number.

11. The method of claim 1 , where the transaction server is further adapted to transmit to the second device a digital coupon associated with the first transaction request and the point of sale device is further adapted to verify the digital coupon and reduce the amount being charged in the transaction by the amount determined by the digital coupon.

12. The system of claim 1 , where the database is adapted to maintain a user's insurance information as part of a data record for verification of the user as an authorized patient by transmitting a bar code or QR Code associated with the user to the remote mobile device, said user being associated with the remote device.

13. The system of claim 1 , where the second request is comprised of data representing an identifier associated with the second device and the transaction server is further adapted to verify the authenticity of the second device.

14. A system for electronically executing a purchase transaction by a user comprising:

A remote mobile device comprised of a display screen;

A transaction server adapted to receive from the remote mobile device a first request to initiate the purchase transaction, said transaction server further adapted to verify that the first transaction initiation request is authorized and in dependence on such verification transmit to the remote mobile device a data object associated with the initiated transaction that is comprised of a QR code; where the remote mobile device is operatively connected to the transaction server using a data network, said remote mobile device further adapted to receive the data object and to display the data object on its display screen;

A second device located at a point of sale operatively connected to the transaction server using a data network, said second device adapted to detect the displayed data object displayed by the remote mobile device to provide a detected data object and further adapted to transmit to the transaction server a second request to verify the initiated transaction, said second request being comprised of data derived from the detected data object and biometric data, and the transaction server being further adapted to receive the second request to verify the initiated transaction referenced by the received second request to provide a verified transaction and to allow the verified transaction to be executed.

15. A system for electronically executing a purchase transaction by a user comprising:

A remote mobile device comprised of a display screen;

A transaction server adapted to receive from the remote mobile device a first request to initiate the purchase transaction, said transaction server further adapted to verify that the first transaction initiation request is authorized and in dependence on such verification transmit to the remote mobile device a data object associated with the initiated transaction, wherein the data object includes at least one of a bar code or QR code, where the remote mobile device is operatively connected to the transaction server using a data network, said remote mobile device further adapted to receive the data object and to display the data object on its display screen;

A second device located at a point of sale operatively connected to the transaction server using a data network, said second device adapted to detect the displayed data object displayed by the remote mobile device to provide a detected data object and further adapted to transmit to the transaction server a second request to verify the initiated transaction, said second request being comprised of data derived from the detected data object and biometric data, and the transaction server being further adapted to receive the second request to verify the initiated transaction referenced by the received second request, said transaction server being further adapted to retrieve from a database an image associated with the remote mobile device and to transmit the retrieved image to the second device.

16. A system for electronically authorizing a patient, said system comprising:

A remote mobile device comprised of a display screen;

A transaction server adapted to receive from the remote mobile device a first request to initiate the purchase transaction, said transaction server further adapted to verify that the first transaction initiation request is authorized and in dependence on such verification transmit to the remote mobile device a data object associated with the initiated transaction, wherein the data object is a bar code or QR code, where the remote mobile device is operatively connected to the transaction server using a data network, said remote mobile device further adapted to receive the data object and to display the data object on its display screen;

A second device operatively connected to the transaction server using a data network, said second device adapted to detect the displayed data object displayed by the remote mobile device to provide a detected data object and further adapted to transmit to the transaction server a second request to verify the initiated transaction, said second request being comprised of data derived from the detected data object and biometric data, and the transaction server being further adapted to receive the second request to verify the initiated transaction referenced by the received second request whereby the transaction server is connected by a data network to a database adapted to store insurance information in a data record associated with a user of the mobile device so that the transaction server transmits as the data object a QR code in order that the second device can verify that the user of the mobile device is an authorized patient.

17. A system for electronically executing a purchase transaction by a user comprising:

A remote mobile device comprised of a display screen;

A transaction server adapted to receive from the remote mobile device a first request to initiate the purchase transaction, said transaction server further adapted to verify that the first transaction initiation request received from the mobile device is authorized and in dependence on such verification transmit to the remote mobile device permission to release a data object associated with the initiated transaction, wherein the data object includes at least one of a bar code or QR code; where the remote mobile device is operatively connected to the transaction server using a data network and said remote mobile device is adapted to display the data object on its display screen as an image and said transaction server is operatively connected to a database having a data record associated with the first request and the data object;

A second device located at a point of sale operatively connected to the transaction server using a data network, said second device being adapted to detect the data object displayed by the remote mobile device to provide a detected data object and further adapted to transmit to the transaction server a second request to verify the initiated transaction, said second request being comprised of data derived from the detected data object and biometric data, and the transaction server being further adapted to receive the second request to verify the initiated transaction referenced by the received second request by using data extracted from the received second request to provide a verified transaction and to allow the verified transaction to be executed.

18. A system for electronically executing a purchase transaction by a user comprising:

A remote mobile device comprised of a display screen;

a transaction server adapted to receive from the remote mobile device a first request to initiate the purchase transaction, said transaction server further adapted to verify that the first transaction initiation request received from the mobile device is authorized and in dependence on such verification transmit to the remote mobile device a data object associated with the initiated transaction, wherein the data object includes at least one of a bar code or QR code; where the remote mobile device is operatively connected to the transaction server using a data network, said remote mobile device adapted to receive the data object and to display the data object on its display screen and said transaction server being operatively connected to a database having a data record associated with the first request and the data object;

A second device located at a point of sale operatively connected to the transaction server using a data network, said second device being adapted to detect the data object displayed by the remote mobile device to provide a detected data object and further adapted to transmit to the transaction server a second request to verify the initiated transaction, said second request being comprised of data derived from the detected data object and data representing an identifier associated with the second device and the transaction server is further adapted to verify the authenticity of the second device, and the transaction server being further adapted to receive the second request to verify the initiated transaction referenced by the received second request by using data extracted from the received second request to provide a verified transaction and to allow the verified transaction to be executed.

19. The system of claim 18 , where the system is further adapted to retrieve from the database an image associated with the remote mobile device and transmit the image to the second device located at the point of sale in order to cause the second device to display the image.

20. The system of claim 18 , where the system is further adapted to verify the transaction by querying the database for a data record associated with the pending transaction using an alpha-numeric data value derived from the detected data object.

21. The system of claim 18 , further comprising a payment gateway adapted to receive a payment detail, where the payment gateway is a cell phone service provider server adapted to receive the payment detail, said payment detail comprised of identifying information associated with a user's customer account and an amount of money to be posted as a charge to the user's account, said user being associated with the remote mobile device.

22. The system of claim 18 , where the second transaction request is comprised of a time stamp where the transaction server is further adapted to not complete the transaction if the time stamp is older than a predetermined amount of time.

23. The system of claim 18 , where the transaction request is comprised of location data derived from data received from the remote mobile device and the transaction server is further adapted to permit the verification of the transaction if the derived location data indicates proximity to the device located at the point of sale.

24. The system of claim 18 , where the transaction server is further adapted to transmit to the remote mobile device a data message representing details of the transaction or a hyper-link to a location that will cause the display of such detail.

25. The system of claim 18 , where the database is further comprised of a data record associated with the user, said data record comprised of a UDID data value of a device, a user-id, a password and payment scheme details.

26. The system of claim 18 , further comprising a payment gateway adapted to receive a payment scheme detail, where the payment scheme detail is comprised of a credit card number.

27. The method of claim 18 , where the transaction server is further adapted to transmit to the second device a digital coupon associated with the first transaction request and the second device is further adapted to verify the digital coupon and reduce the amount being charged in the transaction by the amount determined by the digital coupon.

28. The system of claim 18 , where the database is adapted to maintain a user's insurance information as part of a data record for verification of the user as an authorized patient by transmitting a QR Code associated with the user to the remote mobile device, said user being associated with the remote device.

29. The system of claim 18 , where the second request is comprised of data representing an identifier associated with the second device and the transaction server is further adapted to verify the authenticity of the second device.