Abstract: A wireless phone or other wireless device is utilized to authorize debit transactions from a bank or financial institution in a secure manner in which a one-time meaningless transaction number is displayed to the user at the point of purchase terminal, which the user enters into his wireless phone or other wireless device to authorize the transaction. In one embodiment, the individual uses the device to call the mobile commerce server, and is identified by means of a Wireless Application Protocol ID, or equivalent. The user then enters a PIN number to authorize the transaction. The individual may also select from the wireless device the particular bank from which the debit is to come. In one embodiment, the mobile phone user then goes to the cash register and tells the clerk that this is a mobile commerce transaction.