Abstract: Apparatus is disclosed which comprises a sensor-readable contactless tag (2) physically associated with a wireless communication device (4). In one use of the apparatus, the device is arranged to receive a communication in response to reading of the tag. The apparatus is used in performing transactions in which the tag is read by a proximity sensor (20) to capture contact information stored in the tag (2). This is combined by a data processor (40) with transaction information from point of sale terminal (50) this information being sent to a payment processing centre (80) for authorising and confirming a transaction. As part of the authorisation process, the centre (80) seeks telephonic authorisation of the transaction from communication device (4) via telecommunications network (100). Further uses of the embodiment of the invention for providing access and for collection of goods are also disclosed.