Abstract: A mobile merchant service allows payment information, credit information, or other transaction information to be processed utilizing a mobile user device. The information can be transmitted utilizing USSD technology that provides a session oriented transaction. Information relating to the customer payment or account details are not maintained in the user device, providing security of personal information. The user device can be synchronized with other devices to facilitate reconciliation and performing financial or other functions.

Abstract: A merchant is provided the ability to receive and process wireless financial transactions through interaction with a mobile device. The merchant can be authenticated with an account-based service through various techniques including biometric techniques. The merchant can receive a customer's payment information for a sales transaction and input such payment information into the mobile device through various interfaces, such as a keypad, voice recognition, pattern recognition. The mobile device can also include a card reader that can automate entry of the payment information from a credit card, debit card or other identification card.