Omnyway, Inc.

William N Melton

Mohammad A Khan

Ashok Narasimhan

According to one aspect, the subject matter described herein includes a method for using a mobile device to effect a secure electronic transaction. In one embodiment, the method includes, at a mobile backend server comprising one or more processors: receiving, from a mobile device of a user that is engaged in or desires to engage in an electronic transaction with an entity other than the user, first information that identifies the user and second information that directly or indirectly identifies the electronic transaction, wherein the second information does not contain payment information for the user; using the first information to identify the user; determining user payment information for the identified user; using the second information to identify a target for the payment information; and sending the user payment information to the identified target for use to initiate the electronic transaction.

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San Francisco, CA, United States of America

William N Melton