Apparatus, system and method for secure payment

A system for access control to a first device with a mobile device, the system comprising:

• a first processor associated with the first device;
• a mobile device comprising:
• a wireless transmitter configured to wirelessly transmit a wireless signal including a first time-varying non-predictable value,
• a user interface programmed to receive a user input including first information known to a user of the mobile device to authenticate the user to the mobile device and programmed to receive second information to authorize the user to access the first device;
• a processor coupled to the user interface, the processor programmed to authenticate the user of the mobile device based on the first information and to generate the first time-varying non-predictable value by combining at least a portion of the second information and a time varying value;
• and
• a wireless receiver, coupled to a secure registry component and the first processor, configured to receive the wireless signal;
• the secure registry component configured to receive the first time-varying non-predictable value and successfully authenticate the user of the mobile device to the first processor where the first time-varying non-predictable value is matched to the user by the secure registry component;
• and
• wherein the first processor is configured to authorize the user of the mobile device to access the first device following successful authentication of the user based on the matching of the time-varying predictable value.

A method for access control to a first device with a mobile device, the method comprising:

• accepting, by the mobile device, first information known to a user of the mobile device to authenticate the user to the mobile device, and accepting second information to authorize the user to access the first device;
• generating, by the mobile device, a first time-varying non-predictable value based on combining at least a portion of the second information and a time varying value;
• receiving, at the first device, a first wireless signal including the first time-varying non-predictable value wirelessly transmitted from the mobile device to the first device,
• processing, by a secure registry component coupled to the first device, the first time-varying non-predictable value to authenticate the user in possession of the mobile device;
• and
• allowing, the user of the mobile device to access the first device following successful authentication.

A system for proximity-based access using a mobile device, the system comprising:

• a mobile device configured to generate a first authentication code based at least in part on a seed assigned to a user of the mobile device;
• a processor configured to manage authorization for access to a first device, wherein the processor includes a secure registry component including a seed associated with each user authorized to access the first device;
• wherein the secure registry component is configured to communicate the seed to the mobile device;
• wherein the mobile device is configured to receive the seed and to generate the first authentication code and communicate the first authentication code responsive to the mobile device being within proximity to the processor;
• and
• wherein the processor is configured to generate respective second authentication codes from seeds associated with each user authorized to access the first device, and permit access to the first device based on matching the-respective second authentication codes to the received first authentication code.