Abstract: A networked machine has a network interface to provide connectivity to a network. The network interface hosts a first network connection that receives geolocation information from users operating common client applications on client machines, and a second network connection that accesses credit data for the users from creditor machines. A processor is connected to the network interface. A memory is connected to the processor. The memory stores instructions executed by the processor to analyze consideration transfer input from a sending user in a common geolocation as one or more potential recipient users, authorize a transaction based upon the consideration transfer input, transfer funds between an account associated with the sending user and an account associated with a recipient user, and notify, via network communications, the sending user and the recipient user of the transaction.