Methods and systems for performing a sales transaction using a mobile communications device

A system for performing a sales transaction using a mobile communications device, the system comprising:n(a) a point of sale device for initiating a sales transaction and totaling a purchase price for goods or services being purchased in the sales transaction and for communicating a first instance of the purchase price and a first instance of an identifier to a mobile communications subscriber;(b) a local transaction server operatively associated with the point of sale device for storing the first instance of the identifier and the first instance of the purchase price for the transaction; and(c) a central transaction server for receiving a voice call from the mobile communications subscriber, for obtaining a second instance of the purchase price, the identifier, and payment account information via the voice call from the subscriber without using text messaging or paging services, and for automatically verifying and completing the transaction by comparing, at the central transaction server, the first instance of the purchase price, the first instance of identifier and the first instance of the payment account information received from the mobile communications subscriber via the voice call and the second instance of the identifier and the second instance of the purchase price stored by the local transaction server.

A method for performing a sales transaction using a mobile communications device, the method comprising:n(a) at a merchant point of sale (POS) terminal, initiating a sales transaction and totaling a purchase price for goods or services being purchased by a mobile subscriber in a sales transaction;(b) communicating a first instance of the purchase price and a first instance of an identifier to the mobile subscriber;(c) at a local transaction server operatively associated with the merchant POS terminal storing the first instance of the identifier and the first instance of the purchase price locally to the sales transaction;(d) at a central transaction server, obtaining the first instance of the identifier and the purchase price from the local transaction server and receiving a voice telephone call from the mobile subscriber and obtaining, via the voice call and without using text messaging or paging service, a second instance of the identifier and the purchase price and payment information from the mobile subscriber;(e) at the central transaction server, automatically comparing the first instance of the identifier obtained from the subscriber with the second instance of the identifier stored locally to the sales transaction; and(f) in response to determining that the first instance of the identifier obtained from the local transaction server matches the second instance of the identifier obtained from the mobile subscriber, automatically verifying and completing the sales transaction.

A method for completing a sales transaction using a mobile communications device, the method comprising:n(a) initiating a voice call from a mobile communications device to an interactive voice response (IVR) interface associated with a central transaction server;(b) communicating a first instance of information relating to a pending sales transaction from the mobile communications device to the central transaction server using the voice call and the IVR interface; and(c) at the central transaction server, using the first instance of the information to contact a transaction terminal local to the mobile communications device and automatically compare the first instance of the information received from the mobile communications device with a second instance of the transaction information stored locally to the sales transaction in order to automatically verify and complete the sales transaction.