Abstract: An apparatus comprises at least one integrated circuit. The apparatus has a size and shape substantially similar to an ordinary Subscriber Identification Module (SIM) card. The at least one integrated circuit comprises a memory storing first software that, when executed, causes the card to communicate with second software stored on the device. The second software, when executed, causes the device to provide both a SIM and Payment Security Application Module (PSAM) functionality to a user of the device.

Abstract: An apparatus comprises at least one integrated circuit. The apparatus has a size and shape substantially similar to an ordinary Subscriber Identification Module (SIM) card. The at least one integrated circuit comprises a memory storing first software that, when executed, causes the card to communicate with second software stored on the device. The second software, when executed, causes the device to provide both a SIM and Payment Security Application Module (PSAM) functionality to a user of the device.

Abstract: A method of performing a financial transaction via unsecured public telecommunication infrastructure comprising collecting data relating to a specified financial transaction type; building a transaction token including collected data and/or data derived from the collected data; encrypting the transaction token; creating a financial transaction protocol message incorporating the encrypted transaction token as dependent on a selected transport channel through which the message is to be conveyed; and conveying the financial transaction protocol message using the selected transport channel and by way of the unsecured public telecommunication infrastructure to a destination where the financial transaction protocol message will be further processed is disclosed.

Abstract: A system and method for providing credit to a subscriber, including a plurality of networks, each of said networks supporting a plurality of subscribers; a central settlement facility coupled to each network within the plurality of networks, said central settlement facility maintaining a plurality of subscriber accounts and wherein the central settlement facility is adapted, on receipt of a request for credit from a subscriber, to convert the request for credit to an intermediate value; obtain credit from a credit provider with said intermediate value; credit an account held by the subscriber on the settlement facility with an amount equivalent to the request for credit; and advise the subscriber of the approval of the request for credit is disclosed. The system is further configured for the provision of airtime to a subscriber.