Abstract: A system and associated methods for transmitting information using inaudible acoustic signals are disclosed. In at least one embodiment, a user application resides in memory on an at least one user device; the user application being configured for generating and processing the inaudible acoustic signals. Similarly, a vendor application resides in memory on an at least one vendor device; the vendor application being configured for generating and processing the inaudible acoustic signals as well. Upon a one of the user device and vendor device needing to transmit information to the other, the information is converted to an inaudible acoustic signal. With the user device and vendor device positioned proximal to one another, the inaudible acoustic signal is produced via a speaker of the one of the devices and received via a microphone of the other of the devices. The inaudible acoustic signal is then converted back to the information.

Abstract: The cell phone user interested in paying for his/her purchases in commercial establishments without the need to physically use a credit card installs in his/her cell phone an mPAY application configured to make payments through the cell phone. The commercial establishment, in which the mPAY customer has made his/her purchase, makes from his/her mPOS application, configured to accept payments from cell phones provided with mPAY, a payment request to the mPAY/mPOS server, which is the remote system which allows asynchronous communication between the mobile payment application of the customer's cell phone and the mPOS application of the commercial establishment, sends a PUSH message to the customer's cell phone activating therewith the mobile payment application thereof.