OBTAINING INFORMATION FOR A PAYMENT TRANSACTION

1 . A non-transitory computer-readable medium embodying a computer program for obtaining information for a payment transaction, the computer program comprising computer-readable program code for:

generating a first message including an identifier and a request for the information;

sending the first message via a first communication path;

receiving a second message including the information and the identifier via a second path different from the first communication path; and

processing the payment transaction using the information obtained in the second message.

2 . The computer-readable medium of claim 1 , the computer program further comprising computer-readable program code for:

including a payment amount in the first message.

3 . The computer-readable medium of claim 1 , wherein the information includes at least one of an account number and an account identifier.

4 . The computer-readable medium of claim 1 , the computer program further comprising computer-readable program code for:

encoding the first message into an optically-scannable image.

5 . The computer-readable medium of claim 4 , wherein the payment transaction is an online transaction on a website and the optically-scannable image is presented on a web page of the website.

6 . The computer-readable medium of claim 4 , wherein the program code for sending the first message via the first communication path comprises computer-readable program code for:

sending the optically-scannable image for display on a display device of an entity associated with the payment transaction.

7 . The computer-readable medium of claim 1 , wherein the first message is one of:

sent using one of a near field communications (NFC) link and a limited distance point-to-point radio; and

transmitted as audio.

8 . The computer-readable medium of claim 1 , wherein at least a portion of the first message is encrypted using a private key associated with one of an entity associated with the payment transaction and a third party.

9 . The computer-readable medium of claim 1 , wherein the second message is encrypted with a public key associated with one of an entity associated with the payment transaction and a third party.

10 . The computer-readable medium of claim 1 , the computer program further comprising computer-readable program code for:

identifying, from the second message, a shipping address for one or more items associated with the payment transaction.

11 . A non-transitory computer-readable medium embodying a computer program for sending information for a payment transaction, the computer program comprising computer-readable program code for:

receiving a first message including an identifier and a request for the information via a first communication path;

generating a second message comprising the identifier and the information requested; and

sending, via a second path different from the first communication path, the second message to one of an entity associated with the payment transaction and a third party.

12 . The computer-readable medium of claim 11 , wherein the message includes an amount for the payment transaction.

13 . The computer-readable medium of claim 11 , the computer program further comprising computer-readable program code for:

identifying the first message from an optically-scannable image.

14 . The computer-readable medium of claim 13 , wherein the program code for identifying the first message from the optically-scannable image comprises computer-readable program code for:

identifying the first message from the optically-scannable image presented on a web page of a website associated with the payment transaction.

15 . The computer-readable medium of claim 13 , wherein the program code for identifying the first message from the optically-scannable image comprises computer-readable program code for:

identifying the first message from the optically-scannable image presented a display device of the entity associated with the payment transaction.

16 . The computer-readable medium of claim 11 , the computer program further comprising computer-readable program code for:

receiving the first message using one of a near field communications (NFC) link and a limited distance point-to-point radio; and

identifying the first and message from audio received by the mobile device.

17 . The computer-readable medium of claim 11 , wherein at least a portion of the first message is encrypted using a private key associated with one of the entity associated with the payment transaction and the third party.

18 . The computer-readable medium of claim 11 , the computer program further comprising computer-readable program code for:

encrypting the second message encrypted with public key associated with one of the entity associated with the payment transaction and the third party.

19 . The computer-readable medium of claim 11 , the computer program further comprising computer-readable program code for:

including a shipping address for one or more items associated with the payment transaction in the information in the second message.

20 . The computer-readable medium of claim 11 , the computer program further comprising computer-readable program code for:

requesting, before sending the second message, an input from a user of the mobile device to verify that the user is an authorized user of the mobile device.

21 . The computer-readable medium of claim 20 , wherein the input is at least one of a personal identification number, a password, a biometric input, a predefined gesture on a touch screen of the mobile device, and a predefined pattern of movement of the mobile device.

22 . A method for obtaining information for a payment transaction, the method comprising:

generating a first message including an identifier and a request for the information;

sending the first message via a first communication path;

receiving a second message including the information and the identifier via a second path different from the first communication path; and

processing the payment transaction using the information obtained in the second message.