Money transfers utilizing a unique receiver identifier

A system comprising:

• a mobile communications network;
• a mobile device communicatively coupled with the mobile communications network and executing a mobile wallet application, the mobile wallet application adapted to receive a Personal Identification Number (PIN) and a transaction identifier for a previously initiated money transfer transaction, verify the PIN, and in response to verifying the PIN, send the transaction identifier via the mobile communications network;
• and
• a money transfer facilitator system communicatively coupled with the mobile communications network, the money transfer facilitator system adapted to receive the transaction identifier from the mobile wallet application, verify the transaction identifier with, and in response to verifying the transaction identifier, send a recipient identifier to the mobile wallet application via the mobile communications network, the recipient identifier indicating an intended recipient of the money transfer transaction.

A system comprising:

• a mobile communications network;
• a mobile device communicatively coupled with the mobile communications network and executing a mobile wallet application, the mobile wallet application adapted to receive a Personal Identification Number (PIN) and a transaction identifier for a previously initiated money transfer transaction, verify the PIN, and in response to verifying the PIN, send the transaction identifier via the mobile communications network;
• and
• a money transfer facilitator system communicatively coupled with the mobile communications network, the money transfer facilitator system adapted to receive the transaction identifier from the mobile wallet application, verify the transaction identifier with, and in response to verifying the transaction identifier, send a recipient identifier to the mobile wallet application via the mobile communications network, the recipient identifier indicating an intended recipient of the money transfer transaction, wherein the money transfer facilitator system further comprises one or more interfaces for conducting money transfer transactions and a transfer options module communicatively coupled with the one or more interfaces and adapted to receive transaction information for a money transfer transaction from a sender through at least one or the interfaces, provide a notification of the transaction to a recipient of the transaction, and select one or more delivery options for completing the money transfer transaction.