Abstract: Search templates for a web portal search engine of the internet are provided and a method of use of such templates in customer transactions is provided. The method incorporates processing coded information in respect of a transaction by a customer and a merchant, the customer being a user of a mobile phone with a search template, which phone is connectable to an SMS server, which in turn is connectable to the Internet; the merchant having a GSM device connectable to a GSM terminal and to the Internet; each customer having a unique identification number (“UIN”) for use in transactions; each merchant having a unique identification number for use in transactions; wherein the customer and merchant can complete a secure transaction.