Networked authentication

A computerized method, comprising:

• receiving, at a first mobile network operator server with a processor and memory, an indication of a deposited value over a network from a wireless client associated with a first mobile network;
• causing storage by the first mobile network operator, of the deposited value in an account of the wireless client associated with the first mobile network in a first subscriber database in communication with the first mobile network operator;
• receiving, at the first mobile network operator, a request over a wireless network, from the wireless client associated with the first mobile network, to send a first value to a second wireless client associated with a second mobile network;
• checking, at the first mobile network operator, if the first subscriber database includes the requested first value associated with the wireless client associated with the first mobile network;
• if the first subscriber database includes at least the requested first value associated with the wireless client associated with the first mobile network,
• receiving, by the first mobile network operator, a first validator string for the data associated with the first value, the first validator string having been generated and sent from an independent authentication system;
• appending, by the first mobile network operator, the first validator string to the data associated with the first value;
• and
• sending a transmission indicating the requested first value, the data associated with the first value, and the appended first validator string from the first mobile network operator to a second mobile network operator with a processor and a memory to credit an account in a second subscriber database associated with the wireless client associated with the second mobile network.