Abstract: A system and method for securely making payments and deposits is disclosed. A method for securely and synchronously making a payment includes the steps of submitting a transaction request to a transaction center, the transaction request including details of a transaction between a customer and a third party, confirming the transaction request with the customer by communicating with a customer securely identifiable device, submitting the transaction request for approval, and paying the third party. A method of securely and synchronously making a deposit includes the steps of submitting a deposit request from a depositor to a transaction center, confirming an authorization request with the depositor by communicating with a customer securely identifiable device, receiving an authorization from the depositor, and depositing a deposit amount in a third party receiver account. Secure and asynchronous systems and methods are also disclosed.