Abstract: A system, method and mobile application for conducting financial transactions wherein a mobile device operated by a user is operably coupled to a server over a mobile communication network. Both the server and the user's mobile device store a user encryption key (UEK) and a user access key (UAK). A software application stored on the user's mobile device and the server are configured to conduct a transaction wherein a session key (SK) specific to the transaction is exchanged in an encrypted form based upon the UEK. The software application is further configured to i) generate transaction data, ii) access the UAK stored on the mobile device, iii) encrypt the UAK and transaction data into an encrypted form based upon the SK, and iv) send the UAK and transaction data in encrypted form from the mobile device to the server over the mobile communication network in order to conduct the transaction.

Abstract: A system, method and mobile application for conducting financial transactions wherein a mobile device operated by a user is operably coupled to a server over a mobile communication network. Both the server and the user's mobile device store a user encryption key (UEK) and a user access key (UAK). A software application stored on the user's mobile device and the server are configured to conduct a transaction wherein a session key (SK) specific to the transaction is exchanged in an encrypted form based upon the UEK. The software application is further configured to i) generate transaction data, ii) access the UAK stored on the mobile device, iii) encrypt the UAK and transaction data into an encrypted form based upon the SK, and iv) send the UAK and transaction data in encrypted form from the mobile device to the server over the mobile communication network in order to conduct the transaction.

Abstract: A system, method and mobile application for conducting financial transactions wherein a mobile device operated by a user is operably coupled to a server over a mobile communication network. Both the server and the user's mobile device store a user encryption key (UEK) and a user access key (UAK). A software application stored on the user's mobile device and the server are configured to conduct a transaction wherein a session key (SK) specific to the transaction is exchanged in an encrypted form based upon the UEK. The software application is further configured to i) generate transaction data, ii) access the UAK stored on the mobile device, iii) encrypt the UAK and transaction data into an encrypted form based upon the SK, and iv) send the UAK and transaction data in encrypted form from the mobile device to the server over the mobile communication network in order to conduct the transaction.

Abstract: This is a method to carry out safe transactions using programmable mobile telephones. The use of programmable handsets—for example with Java technology—, to which an application is downloaded (e.g. Java application) allows people to carry out safe transactions. The application allows the buyer/seller to carry out the transaction, including the verification, with just one connection. The data that was sent is then encrypted and transmitted via GPRS or any other data transmission protocol, to a transactions server, where the transactions are verified and authorised. The security of the process is provided mainly by the use of up to five non related identification elements, including an access key unique for each user, stored in the mobile handset.

Abstract: Coin charging system for mobile telephony in order to facilitate the making of telephone calls by means of a mobile telephone with a coin charging system, mainly in public transport means such as buses, airplanes, trains, ships etc., the system being provided with normal operation modes as rating device, changing of rate device and verification system to visualize the amounts and time units available. The system is comprised of a control subsystem (1), a coin selecting and charging subsystem (2), a display subsystem (3) and a supply subsystem (4).