Abstract: Methods and system for enabling safe and efficient money transfer between a sender and a beneficiary are provided. The method includes communicating with a beneficiary's mobile device to ascertain the beneficiary's current geo-location. Based on the geo-location and funds at hand, one or more receiving agents are selected to fulfill the transfer. The beneficiary is offered a choice of agents and the selected agent is provided with the money transfer details to complete the transfer.

Abstract: Information stored on a consumer's mobile device can be used to produce recommendations for purchase of good/services. In embodiments, a consumer's purchase history can included in producing recommendations for purchase of good/services. Such recommendations can then be communicated to the consumer's mobile device.

Abstract: Consumers' purchase transactions are collected and processed to produce purchase transaction history information indicative of purchasing behavior and spending patterns. Computer software applications are identified based on the purchase history information and sent to the consumer's mobile devices.

Abstract: A portable consumer device with funds transfer processing systems and methods are disclosed. A sending entity may initiate a money transfer from one portable consumer device, such as a credit or debit card, to another portable consumer device through a money transfer system. A sending entity may initiate a payment request and the money transfer system may prompt the sending entity to use one of a plurality of payment account identifiers it possess. A recipient entity is defined by either an alias or a recipient entity personal account identifier. Additionally, an unregistered recipient entity may return a claim code to the money transfer system to claim a money transfer.

Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.