Method and Device for End-User Verification of an Electronic Transaction

An apparatus comprising:

• a processor and memory environment associated with and separate from an end-user device, the processor and memory environment comprising:
• a processor;
• and
• a memory to store computer program instructions, the computer program instructions when executed on the processor cause the processor to perform operations comprising:
• creating a transaction identification string in the processor and memory environment, the transaction identification string negotiated among the end-user device, a merchant device, and the processor and memory environment and associated with a transaction between the end-user device and the merchant device;
• transmitting interrupt instructions to the end-user device, the interrupt instructions causing the end-user device to interrupt an electronic communication between the end-user device and the merchant device before completion of the transaction, wherein the electronic communication is associated with the transaction;
• transmitting the transaction identification string and display instructions to the end-user device, the display instructions causing the end-user device to display the transaction identification string;
• and
• transmitting transaction instructions to the end-user device based on user input received in response to displaying the transaction identification string.

A computer readable medium storing computer program instructions, which, when executed on a processor of a processor and memory environment, cause the processor to perform operations comprising:

• creating a transaction identification string in the processor and memory environment associated with and separate from an end-user device, the transaction identification string negotiated among the end-user device, a merchant device, and the processor and memory environment and associated with a transaction between the end-user device and the merchant device;
• transmitting interrupt instructions to the end-user device, the interrupt instructions causing the end-user device to interrupt an electronic communication between the end-user device and the merchant device before completion of the transaction, wherein the electronic communication is associated with the transaction;
• transmitting the transaction identification and display instructions to the end-user device, the display instructions causing the end-user device to display the transaction identification string;
• and
• transmitting transaction instructions to the end-user device based on user input received in response to displaying the transaction identification string.