Online mobile payment system and method using a server between the personal comuter and the mobile payment device

A method of purchasing products with a mobile payment comprising the steps of:

• browsing an online store using a web browsing capable device in communication with a world wide web, the web browsing capable device not having a usable mobile payment platform;
• selecting, using the web browsing capable device, a product to be purchased from the online store;
• receiving payment information, by the web browsing capable device, for the selected product to be purchased from the online store;
• connecting the web browsing capable device to a server;
• sending a payment request from the web browsing capable device to the server, the payment request including the payment information;
• identifying, by the server, a mobile payment device having a mobile identity and mobile payment capability including at least one mobile payment platform using the mobile identity;
• determining that the mobile identity indicates that the mobile payment device is associated with the web browsing capable device;
• connecting the server to the mobile payment device;
• sending the payment information from the server to the mobile payment device;
• using the mobile payment capability of the mobile device to create an authorization request including a payment token on the mobile payment device upon receipt of the payment information from the server;
• sending the authorization request including the payment token to the server from the mobile payment device;
• sending a payment response including the authorization request with payment token from the server to the web browsing capable device;
• sending the payment response, including the authorization request with payment token, from the server to the online merchant through the web browsing capable device;
• and
• sending the authorization request with payment token from the payment response received by the online merchant from the mobile payment device to a payment network to process the mobile payment.

A mobile payment method comprising the steps of :

• providing a web browsing capable device not having a usable payment platform;
• providing a mobile payment device having mobile payment capability including at least one mobile payment platform and a mobile identity;
• providing a server connectable to the web browsing capable device and the mobile payment device;
• browsing an online store using the web browsing capable device in communication with a world wide web;
• selecting, using the web browsing capable device, a product from the online store;
• receiving, by the browsing capable device, payment information from the online store;
• sending a payment request including the payment information from the web browsing capable device to the server in response to receiving the payment information;
• providing the server with the mobile identity associated with the mobile device;
• identifying the mobile payment device using the mobile identity;
• determine that the mobile identity indicates that the mobile payment device is associated with the web browsing capable device;
• connecting the server to the mobile payment device;
• sending the payment request including the payment information from the server to the mobile payment device;
• sending an authorization request including a payment token from the mobile payment device, generated by the mobile payment capability, to the server in response to receiving the payment request;
• sending a payment response, including the authorization request with payment token, from the server to the web browsing capable device in response to receiving the authorization request from the mobile payment device;
• sending the payment response, including the authorization request with payment token, from the web browsing capable device to the online store;
• and
• sending the authorization request with payment token from the online store to a payment network to process the mobile payment in response to receiving the payment response from the web browsing capable device.