Secure m-commerce transactions through legacy POS systems

Abstract

A method for conducting an electronic commerce transaction between a customer and a merchant, the transaction using customer information stored in a customer device and transaction information both stored and entered into a merchant device, the method including the steps of: providing an entity for collecting the customer and transaction information from the customer and merchant devices and for generating a transaction identification number for the transaction, wherein the transaction identification number includes a unique personal account number (PAN) for identifying the entity; sending the transaction identification number from the entity to the customer and/or customer device to commence the transaction by the customer providing the transaction identification number to a point-of-sale device; detecting the transaction identification number at an acquirer device, being in communication with the point-of-sale terminal, to identify the entity; requesting the customer and transaction information from the entity by the acquirer device; and, sending the customer and transaction information from the entity to the acquirer device to determine a result for the transaction.

Dependencies are inferred from the claim text.