Mobile and wearable device payments via free cross-platform messaging service, free voice over internet protocol communication, free over-the-top content communication, and universal digital mobile and wearable device currency faces

A computer implemented method for facilitating mobile and wearable device payments and multimedia transfer, the method comprising:

• receiving, by one or more processors, a multimedia transfer request from a mobile and wearable device associated with a sender;
• receiving, by the one or more processors, a recipient identifier, the recipient identifier being associated with a mobile and wearable device associated with a recipient;
• transferring, by the one or more processors, based on the recipient identifier, the multimedia content to the recipient;
• wherein the sender and the recipient are registered in a mobile payment service associated with the mobile and wearable device associated with the sender and the mobile and wearable device associated with the recipient, wherein the mobile payment service is associated with a digital currency;
• receiving, by the one or more processors, from the sender, a currency transfer request;
• customizing, by the one or more processors, the digital currency associated with the sender in the mobile payment service, wherein the customization includes forming at least an image of the senders face assembled in a currency bill as the digital currency stored on the mobile and wearable device associated with the sender, the image of the senders face having been previously registered on the mobile and wearable device associated with the sender;
• verifying, in response to the receiving of the currency request, an identity of the sender, wherein the verifying includes:
• capturing a verification image of the sender face;
• comparing the image of the sender face and the verification image of the sender face;
• and
• determining that unique patterns associated with the image of the sender face match unique patterns associated with the verification image;
• receiving, by the one or more processors, from the sender, the transaction request, the transaction request including one or more of a currency amount, the recipient identifier, and payment data associated with the sender, wherein the transaction request is associated with transaction data;
• encrypting, by the one or more processors, the transaction data, the transaction data including one or more of the currency amount and the payment data associated with the sender;
• and
• upon completion of the verifying, performing, by the one or more processors, a transaction based on the transaction request, the transaction including sending the digital currency associated with the sender to the mobile and wearable device associated with the recipient which displays the digital currency thereon and converts the received digital currency associated with the sender into digital currency associated with the recipient by replacing the image of the sender with the image of the recipient, debiting the sender and crediting the recipient, and storing the converted digital currency in the mobile and wearable device associated with the recipient;
• wherein the mobile payment service provides at least a cross-platform messaging service, a Voice over Internet Protocol (VoIP) service, and an Over-the-Top (OTT) service;
• and
• wherein the mobile payment service is associated with fingerprint payments by swiping a finger across a touchscreen of the mobile and wearable device associated with the sender and is further associated with one or more of the following:
• transactional payments based on Unstructured Supplementary Service Data (USSD), Short Message Service (SMS), direct operator billing, credit card mobile payments, prepaid card payments, online wallets, QR-code payments, contactless near field communication, cloud-based mobile payments, audio signal-based payments, Bluetooth Low Energy (BLE) signal beacon payments, in-application payments, software development kit (SDK) payments, application programming interface (API) payments, social networking payments, and direct carrier/bank co-operation.