Abstract: A portable secure financial messaging unit (906) includes a receiver (804) and a selective call decoder (1004). The selective call decoder (1004) has a memory (1010) that includes a single unique selective call address corresponding with a predetermined financial transaction type. An address correlator (830) operates to determine substantial coincidence between the single unique selective call address and a received selective call address corresponding with the predetermined financial transaction type. In response to a coincidence, a main processor (1006) and a financial transaction processor (1014) process-received information to effect a financial transaction corresponding with the predetermined financial transaction type.

Abstract: A secure messaging system (900) generates a secure financial transaction message. A wireless selective call signaling system controller (102) receives the secure financial transaction message as a selective call message request including a destination identifier. A selective call message processor (1104) encapsulates the secure financial transaction message in a selective call message that includes a selective call address corresponding with the destination identifier. A selective call transmission service (904) conveys the selective call message to a financial messaging unit (906) that receives the selective call message, and in response to correlating the selective call address with a selective call address corresponding with the financial messaging unit (906), recovers the secure financial transaction message to effect a financial transaction.

Abstract: A portable 2-way secure financial messaging unit (906) includes a receiver (804), a selective call decoder (1004), a financial transaction processor (1014), a main processor (1006), and a transmitter (1034). A received secure financial transaction message is decoded by the selective call decoder (1004) and either passed directly to a financial transaction processor (1014) in the secure financial messaging unit or to a smart card to prevent unauthorized access to information contained in the secure financial transaction message. The portable 2-way secure financial messaging unit (906) may originate as well as receive financial transactions.

Abstract: A secure messaging system including a secure messaging system controller (1100) and a first financial messaging unit (906). A user initiates a financial transaction by providing a transaction authentication code to the secure messaging system controller (1100). In response to the first financial messaging unit (906) receiving a secure financial transaction message containing a value, a user inputs the corresponding transaction authentication code that releases and disburses at least a portion of the value to the first financial messaging unit (906) for effecting a financial transaction.