Systems and methods for managing (for example, creating, transmitting, delivering, encrypting, storing and the like) secure SMS (short message service), secure messaging over data and secure MMS (multimedia messaging service) communications, wherein a private texting platform on Mobile devices across various operati...

Method and system for generation and reconciliation of security codes is provided. A first security confirmation code for a particular timestamp is generated for each transaction between user device 104 and merchant terminal 106 based on predefined number of digits of character checksum value and salt value. A first...