Abstract: Embodiments of the invention include systems, methods, and computer-program products for providing a mobile wallet account number associated with all of the payment devices on a mobile wallet. In this way, if the mobile wallet it misplaced, the user may not have to cancel and re-open each of the payment devices on the mobile wallet. The cancelling and re-opening process may be time consuming and effect other automatic transactions associated with the payment devices. The system provides a mobile wallet account number to a merchant and the merchant may process the transaction using that account number. Subsequently, the system may associate the mobile wallet account number with a payment device and apply the transaction to that payment device.

Abstract: A networking platform for lending is disclosed. The platform may facilitate communication of potential borrowers and potential lenders where such lenders are not traditional financial institutional lenders. Generally, the platform is configured in a manner in which the loan is facilitated between the borrower and a lender such that the platform service is sufficiently distanced from the actual lending such that the platform provider is not required to comply with various lending statutes and regulations. The platform may additionally be configured to poll a potential borrower's social network to identify acquaintances that may wish to fund at least a portion of the requested loan.