The invention discloses multi-functional service terminal 100. The terminal 100 comprises one or more readers 10a¦10n to read a message 5 from a mobile device 15 of a user. A processor 20 determines a service-type 5b and an encoding-format 5c from the read message 5. The processor 20 encrypts a payload information 5a in the message 5 using the determined encoding-format 5c and a transceiver 30 transmits the encrypted payload information 5a to a validation server 40a...40n corresponding to the determined service-type 5b. Upon receiving a confirmation from the validation server 40a...40n, the processor 20 initiates services such as printing of a ticket, recharging an electronic card, or activating an access control system. Fig. 1
