Abstract: A method for making a secure payment, the method comprising the steps of: entering, using an online secure payment system, one or more pieces of information associated with a transaction for a customer from a biller; generating, via the online secure payment system, a digital bill for the customer from the one or more pieces of information; associating the digital bill with an account for the customer in the online secure payment system and alerting the customer to a change in status in the account; receiving, with the online secure payment system, a payment instruction for the digital bill from the customer; and processing, with the online secure payment system, the payment instruction for the digital bill and sending payment of the digital bill to the biller.

Abstract: A convenient and efficient method and system of conducting a transaction using a user's mobile device, such as a mobile phone or tablet, to scan an electronically readable element such as a 2D barcode (preferably a QR Code) associated with a product such as a good, service, fine, or fee, or the like. The mobile device is configured to scan the electronically readable element, load information relating to the product, and allow the user to authorise a transaction associated with the product to a provider after which the mobile device retrieves securely stored payment details and transfers them to a payment gateway associated with the provider to complete the transaction.