The present invention discloses systems and methods for managing the transfer of value to a third party using short messaging Services (SMS) communications. Methods for using SMS to transfer value to a third party comprises providing the payment card to a user; activating the payment card; initiating...http://www.google.ca/patents/US7537152?utm_source=gb-gplus-sharePatent US7537152 - Delivery of value identifiers using short message service (SMS)
