Systems and Methods to Schedule Transactions

A system, comprising:

• a data storage facility to store and associate a stored value account with a mobile phone number of a first party;
• and
• an interchange coupled with the data storage facility, the interchange including a common format processor and a plurality of converters to interface with a plurality of controllers, the converters configured to communicate with the controllers in different formats, the converters to communicate with the common format processor in a common format, the common format processor to instruct a first controller of the controllers, via a first converter of the converters, to communicate with a mobile phone at the mobile phone number of the first party to receive a request for a current transaction between the first party and a second party, to prompt the first party to schedule at least one future transaction based on the current transaction and a calendar, to confirm scheduling the future transaction, and to transmit one or more premium messages to the mobile phone to collect, via a telecommunication carrier of the mobile phone, funds in accordance with an amount scheduled for the future transaction.