Abstract: An online purchasing system has a host server with a merchant's database of products, prices, and operations, and user identifiers and accounts, linked to a banking system for tracking financial transactions. Users access the server for reviewing the merchant database and pre-selecting a subset of products defining a personalized user interface for later online purchasing activities, and storing it on the server. A thin client application for a mobile device provides for communicating with the server and receiving an XML-formatted data file defining the user's personalized user interface, and repurposing the mobile device user interface accordingly. User commands generated using the repurposed interface are sent to the server, executed, and an XML file representing the resulting update to the personalized user display is sent back to the mobile device, updating its own interface, all in real time, such that the remote execution of the command is transparent to the user.

Abstract: A method and system are provided for the transferring of money from a first account to a second account using a mobile device having: a mobile device coupled to a world wide distributed computer network; a service module coupled to the world wide distributed computer network via a communications protocol; a portal wallet coupled to the service module via a communications protocol; and a second account between which and the portal wallet money may be transferred such that money may be transferred to merchants from the portal wallet without exposing the second account's data to exposure.

Abstract: The essence of the invention is in that when making a digital blind RSA-signature a new technique for blinding an initial data by a RSA-encryption and corresponding technique for unblinding the signed blinded data are employed, which gives the possibility to use an unlimited number of kinds of the signature in electronic systems of the mass scale service. The untraceability is ensured by a corresponding choice of the randomized exponent R, RSA-key used in RSA-encryption the initial data, and by the public module N properties verified in an arbitrary time moment. In so doing, N=P·Q, where P and Q are secret prime factors, and R is multiple to N?1. In other variants of the invention the diversity of kinds of the signature is set by limitings on multiplicities of public exponents, said limitings being chosen prior to blinding the initial data.

Abstract: A method for effecting payments is suggested which allows protecting the financial interests of each participant of a payment during payments via open telecommunication nets from other participants' cheating, provides protection of the payers' and payees' privacy, admits payments ranging from micro-payments to business-to-business payments, ensures that the time taken to effecting a payment depends only on the speed of action of the net connections and not on the payment amount, makes it possible to serve of serving a number of clients which grows proportionally to the payment system operators resources, is easy to build into an arbitrary trade system, enables each client both to pay and to receive payments, and makes possible payments between clients of different banks. The method of effecting payments is realized with the help of programming means.