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SMS is the most popular ubiquitous messaging protocol in cellular networks. Limitations with SMS are, it is plaintext; it is point-to-point (person-to-person); and it is network dependent. To leverage the popularity of SMS as a serious bearer for business and trustworthy communication, authors have developed a PKI (public key infrastructure) based, trustworthy, operator independent framework. In this paper we present a novel technology of application level public key encryption of SMS with two-way mutual (client and server) authentication. The paper uses a philosophy to establish trust between users and services in digital world. Moreover, the technology devised by authors implements all the above functions over operator independent networks.