System method and computer program product for mobile financial transactions

A system comprising:

• means for mobile computing and communicating over a network region and a global network;
• means for receiving and processing financial transaction information, performing financial transactions and receiving results of performed financial transactions, said receiving and processing means communicating, over the global network, with said mobile computing and communicating means and the network region;
• and
• means for instructing said mobile computing and communicating means to present a plurality of contacts available for a user to select at least a one of said plurality of contacts with which to commence a financial transaction where said contacts are stored in said mobile computing and communicating means, said instructing means instructing said mobile computing and communicating means to present a plurality of financial transactions available for a selected contact for the user to select a one of said plurality of financial transactions where said plurality of financial transactions are stored in said mobile computing and communicating means, said instructing means instructing said mobile computing and communicating means to present a plurality of payment instruments available for a selected financial transaction for the user to select a one of said plurality of payment instruments where said plurality of payment instruments are stored in a mobile wallet in said mobile computing and communicating means, said instructing means instructing said mobile computing and communicating means to communicate to said receiving and processing means at least information associated with said selected contact, said selected financial transaction and said selected payment instrument, said instructing means instructing said mobile computing and communicating means to receive results of said selected financial transaction from said receiving and processing means and display said results for the user.

A method comprising the steps of:

• a mobile client communicating with a network region and a global network;
• said mobile client presenting a plurality of contacts available for a user to select at least a one of said plurality of contacts with which to commence a financial transaction, said contacts being stored in a mobile computing device;
• said mobile client presenting a plurality of financial transactions available for a selected contact for the user to select a one of said plurality of financial transactions, said plurality of financial transactions being stored in said mobile computing device;
• said mobile client presenting a plurality of payment instruments available for a selected financial transaction for the user to select a one of said plurality of payment instruments, said plurality of payment instruments being stored in a mobile wallet in said mobile computing device;
• said mobile client communicating with a server in communication with the global network;
• said mobile client transmitting at least information associated with said selected contact, said selected financial transaction and said selected payment instrument to said server where said server receives and processes said information, performs said selected financial transaction, receives results of said selected financial transaction from said selected contact, processes said results and transmits said results to said mobile client;
• said mobile client receiving said results from said sever;
• and
• said mobile client displaying said results for the user.

A method comprising:

• steps for communicating with a network region and a global network;
• steps for receiving one or more bills for payment by a user;
• steps for presenting a plurality of contacts available for the user to select at least a one of said plurality of contacts with which to commence a financial transaction;
• steps for presenting a plurality of financial transactions available for a selected contact for the user to select a one;
• steps for presenting a plurality of payment instruments available for a selected financial transaction for the user to select a one;
• steps for communicating with a mobile gift store when the user selects a contact to receive a gift;
• steps for communicating with a server in communication with the global network;
• steps for transmitting information to said server where said server receives and processes said information, performs said selected financial transaction, receives results of said selected financial transaction from said selected contact, processes said results and transmits said results to said mobile client;
• steps for receiving said results from said sever;
• and
• steps for displaying said results for the user.

A non-transitory program storage device readable by a machine tangibly embodying a program of instructions executable by the machine to perform a method for mobile financial transactions, comprising:

• computer code for communicating with a network region and a global network;
• computer code for presenting a plurality of contacts available for a user to select at least a one of said plurality of contacts with which to commence a financial transaction, said contacts being stored in a mobile computing device;
• computer code for presenting a plurality of financial transactions available for a selected contact for the user to select a one of said plurality of financial transactions, said plurality of financial transactions being stored in said mobile computing device;
• computer code for presenting a plurality of payment instruments available for a selected financial transaction for the user to select a one of said plurality of payment instruments, said plurality of payment instruments being stored in a mobile wallet in said mobile computing device;
• computer code for communicating with a server in communication with the global network;
• computer code for transmitting at least information associated with said selected contact, said selected financial transaction and said selected payment instrument to said server where said server receives and processes said information, performs said selected financial transaction, receives results of said selected financial transaction from said selected contact, processes said results and transmits said results;
• computer code for receiving said results from said sever;
• and
• computer code for displaying said results for the user.