Abstract: A computer-based system securely transmitting and authenticating a transaction input by a user while retaining the anonymity of the user with respect to content of the transaction, including a device encoding the content of the transaction input by the user with a key known only to another device, encoding other portions of the transaction with another key known only to a secure transaction server, and sending the encoded content of the transaction and the encoded other portions of the transaction to the secure transaction server to authenticate an identity of the user of the device, wherein the secure transaction server decodes the other portions of the transaction and sends the encoded content of the transaction to the another device to be finally decoded.

Abstract: A mobile phone system and method of initializing, at a secure transaction server (STS), a mobile payment software with a software authentication parameter, as an authentic mobile payment software; providing an STS correlation between a personal identification entry (PIE) and the authentic mobile payment software; installing, in a mobile phone, the authentic mobile payment software; and inputting, by a user, the PIE to the installed authentic mobile payment software to generate according to the PIE and the software authentication parameter a transformed secure authenticable mobile phone cashless monetary transaction over the mobile phone network, as a mobile phone wireless wallet of the user of the mobile phone. The mobile phone authenticable cashless monetary transaction is performed according to an agreement view(s) protocol.