System for enabling a smart device to securely accept unsolicited transactions

A method for a smart device to securely validate an incoming unsolicited message emanating from an external source, said method comprising the steps of a security communication module automatically:

• verifying that the incoming message contains a validity identifier that is pre-stored within the security communication module;
• when the incoming message contains the pre-stored validity identifier, appending a SSD Unsolicited Transaction Identifier (SSD UT ID) to the message, wherein the SSD UT ID comprises a unique security device identifier associated with a security device having a pre-established security arrangement with the smart device;
• and
• sending the message and the SSD UT ID to the smart device;
• wherein
• the security device is a device separate and apart from the smart device, is not in direct communication with the security communication module, and works in conjunction with the smart device to securely process smart device transactions;
• and
• the security communication module is not under the control of a user of the smart device.