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.

Abstract: A security system and security method is provided for internet transactions for use in an electronic funds transfer environment and for confirmation of transactions over the internet. The system and method includes online processing of business transactions between at least one buyer, at least one seller, and at least one bank, where each user communicates via the internet and where each transaction incorporates use of a security key, said key comprising: code generated by a code engine independent of the buyer, the seller and the bank, said code being conveyed to the buyer by means independent of the internet, said code being supplied in machine readable format. The code is electronically verified by the seller and banker with the code engine before the transaction occurs.