FonWallet is a transaction facilitator enabling s eamless execution of any transaction or payment acr oss multiple user interfaces, be they TV set-top boxes, mobile phones, desktop computers, laptop computers , point-of-sale devices and so on. FonWallet is takin g mobile wallet technology and the mobile wallet concept to a new level, in the areas of security, f unctionality and ease of use. FonWallet is paving t he way for a new era in the consumers use of their mobile phones as a secure wallet for banking, traveling, shopping, trading and all other uses of the mobile wallet, in a secure easy to use framework. In addit ion, the FonWallet solution helps all parties significan tly reduce the costs of fraud and identity theft.