Apparatus for executing an application function using a smart card and methods therefor

A method for effecting the execution of an application function on an application server from a client device with a smart card. The method includes transmitting a first text message pertaining to a request to execute the application function to the proxy server. The method also includes sending a token request message to the user at a text message confirmation address that is different from the text message origination address, generating a token in the smart card, and transmitting the token to the proxy server. If the token is valid, the method includes executing the application function at the application server as specified by the first text message, whereby the first application function is ascertained based at least on the text message destination address.