Dispute code system for secure mobile payment

A computer implemented method for resolving disputes arising from failed or incomplete payment transactions conducted over a mobile communication infrastructure, comprising:

• generating, by a central processing server, a second key, wherein the second key is specific to a payment transaction;
• generating, by the central processing server, a first dispute code using the second key and a payment transaction status, wherein the payment transaction status is one of one or more preset status codes;
• receiving, by a payer user device, the first dispute code from the central processing server;
• receiving, by a payee user device, the second key from the central processing server;
• updating, by the central processing server, the first dispute code with updated payment transaction status when the payment transaction is completed;
• receiving, by the payer user device, the updated first dispute code from the central processing server;
• entering into the payee user device the updated first dispute code received by the payer user device;
• generating, by the payee user device, a first verifying dispute code using the second key and one of the one or more preset status codes;
• verifying, by the payee user device, the updated first dispute code by comparing the updated first dispute code to the first verifying dispute code generated;
• and
• if not matched, repeating the generation of first verifying dispute code using another one of the one or more preset status codes and comparing of the updated first dispute code to the first verifying dispute code generated.