Abstract: The present disclosure relates to an application, method and system whereby a consumer uses a payment application 110 operated on an electronic device 100 to purchase a product from a merchant. The application 110 is configured to receive a graphical representation 120 of data that comprises an identification code, extract from the graphical representation 120 of data the identification code, transmit the identification code to a server 130 that can then obtain a transaction amount for the product and return it to the application 110 so that the application 110 can execute a payment transaction between a bank account of the consumer to the merchant for the transaction amount.

Abstract: Method and system of registering a user of a mobile device comprising: obtaining data identifying a user. Obtaining account data. Retrieving data uniquely identifying a mobile device. Authenticating the user with the mobile device. Validating the user with the account using the data identifying the user and the account data.

Abstract: A method, application and system for transmitting electronic payment information, comprising the steps of receiving electronic payment information from a first party to a payment; receiving graphical content from the first party; combining the graphical content and the electronic payment information; and transmitting the combined graphical content and the electronic payment information to a second party to the payment.

Abstract: A user is registered for an electronic peer-to-peer payment system by authenticating the user at an automated teller machine (ATM), receiving the user's mobile number and addressing a verification code to the user's mobile number, which the user must enter in order to be registered.

Abstract: A portable electronic device having a memory storing application software for initiating a payment transaction with a remote system, a data interface for coupling the device to a host computer, a contactless interface for receiving payment token data from a contactless payment token, and a cellular network interface for communication of data over a cellular network. The application software is executed from the device when the device is connected to the host computer and configures the portable electronic device to initiate a payment transaction by receiving payment token data via the contactless interface means and transmitting said payment token data to the remote system via the mobile network interface means.