1. A system to conduct financial transactions over a communication network, the system including: a database storing data associated with a mobile communication device user, the data including a user mobile communication device identifier, user mobile airtime account identifier and financial account identifier for a financial account associated with the user; purchase request infrastructure to receive a purchase request from the user via a mobile communication device, the purchase request being for a purchase from a merchant for a purchase amount; an access module with screening logic to identify the purchase request and to provide the user access to the communication network to make the purchase request without debiting the financial account of the user or the user's user mobile airtime account for the access to the communication network; and a payment service provider system to: provide the merchant with the purchase request; automatically debit the at least one financial account of the user with the purchase amount; automatically allocate a service fee which is associated with the purchase amount to the mobile service provider and crediting an account of the mobile service provider for the service fee; and automatically credit an account of the merchant with at least a portion of the purchase amount.