Abstract: A method for providing a coupon code to a recipient via a network includes storing a coupon code on a tangible storage medium of a host computer, receiving a request for the coupon code from the recipient, and providing the recipient with the coupon code via the network in response to the request. The coupon code is transmitted along the network between the host computer and the recipient as an analog or digital audio signal.

Abstract: Embodiments of the invention provide money transfer convenience cards and methods and systems for using them. Such embodiments can be used in a relationship between a customer, and transaction provider and a service provider. The transaction provider can provide money transfer services for the customer, and the customer can have an account associated with a convenience card. Embodiments of the invention can be used with a variety of service providers. Merely by way of example, in accordance with some embodiments, the service provider can be a merchant or the product can be a tangible good. In accordance with other embodiments, the service provider may be a plurality of service providers, each providing similar and/or different services. In accordance with other embodiments, the service provider can be a telecommunication service provider and/or the product can be a telecommunication service.