Abstract: This invention relates to a method and a system to automatically generate mobile device software applications, where each one is differently personalized in terms of security parameters and/or obfuscation rules, by using a set of input registries from a first entity, each input registry containing at least a unique identifier and is used to generate an output personalization registry, that is different than another output registry. A second entity uses at least part of the data of the output registry, a generic replica of the mobile device software application and obfuscation software to generate a protected mobile software application that is associated to the output registry and to the at least one unique identifier. A user requests a replica of the mobile software application to the first entity and a protected mobile software application is downloaded to a user mobile device.

Abstract: A method is described for the withdrawal of cash at automatic telling machines in which the beneficiary of the payment does not have to make use of a card, account or any other instrument in order to obtain cash, and without the need for any transfer of funds to take place. The method envisages that cash should be withdrawn by means of a payment order via SMS, permitting a principal to use a mobile telephone to order the payment of a certain amount of money to a third party, who, thanks to the information received at his mobile telephone, may withdraw that amount from any cash dispenser enabled for the purpose, having as a means of security an exclusive code or PIN for each operation known only by the principal and the beneficiary. The method of payment via SMS contemplated by the invention is especially applicable to the existing network of cash dispensers and services.