Abstract: A method is disclosed. The method comprising receiving, by a transfer application on a first user's device, a payload comprising a digital tag associated with a second user, a transaction identifier, and a transaction amount. Transmitting, by the transfer application to a digital tag computer, the digital tag associated with the second user. Receiving, by the transfer application from the digital tag computer, a primary account number or token associated with the digital tag and transmitting, by the transfer application to an acquiring computer, a push transfer message.

Abstract: A system for managing wish list items from a plurality of online merchants is provided. The system includes a memory, processor and item management module executed by the processor. The memory stores data regarding the wish list items that have been selected by a user while browsing online merchant websites. The item management module has a receive-advice feature that sends an electronic message to user-selected contacts. The electronic message contains a request for feedback on one or more selected items of interest. When the contacts submit feedbacks, they are stored in the memory for viewing by the user.