Abstract: A telecommunications terminal apparatus and a terminal-stored information updating system and method is disclosed for automatically distributing terminal-stored information and changes made in terminal-stored information among subscribing user's telecommunications terminals. Each telecommunications terminal apparatus includes a memory unit sufficient for storing information, pertaining to at least the subscribing user and one or more other telecommunications terminal apparatus users, such as: concise personal information, detailed personal information, a list of other parties that exchange information with the user, and key information indicative of a level of security or accessibility of information stored therein. Each telecommunications terminal belongs to a group of users handled by a telecommunications subscriber system. More than one subscriber system may be provided to handle multiple groups of users.

Abstract: A mobile phone payment method and system in which a mobile phone, a photo receiver, and a control server for storing payment-related information of a user of the mobile phone, download the payment-related information of the user from the control server to the mobile phone. The payment-related information is converted into binary code data. A light signal from a backlight of the mobile phone, based on the binary code data, is transmitted to the photo receiver. The photo receiver authenticates the binary data from the received light signal and authorizes payment accordingly.