Abstract: A mobile wallet system includes an account module comprising a physical memory database to store account information associated with a plurality of transaction devices issued to a consumer, a location module comprising a location device to determine location information of the consumer, a reward program module comprising a physical memory database to store reward information of a plurality of reward programs associated with the plurality of transaction devices, a payment method module executed on a computer processor to determine a transaction device of the plurality of transaction devices that maximizes a reward for the consumer based at least in part on the account information, the location information and the reward information, and a processing module executed on a computer processor to use the determined transaction device to complete a transaction to purchase products or services in order to maximize rewards for the consumer.

Abstract: An embodiment of the present invention provides an apparatus, comprising a service and billing platform including a program administration interface associated with a prepaid wireless handset adapted to allow for the creation and management of programs, business rules, customer communications, reports, back end processes, trial and upgrade plans and shared membership plans.