UNBANKED SAFELOAD

1 . A system comprising:

a payment-credential logic;

a software application;

when an authorized person verifies an identity of a mobile customer using a government identification document, the payment-credential logic is then activated, the payment-credential logic is configured to create payment-credential information and to cause the payment-credential information to be stored for future access, wherein the payment-credential logic is configured to provide a way for the software application to be loaded into a mobile customer device, wherein the software application is configured to allow the mobile customer device to access the payment-credential information for one or more future monetary transactions.

2 . The system of claim 1 wherein the payment-credential logic is configured to cause the payment-credential information to be encrypted in the mobile customer device.

3 . The system of claim 1 further comprising:

a server, wherein the payment-credential logic is configured to cause the payment-credential information to be stored on the server.

4 . The system of claim 1 wherein the government identification document is a government identification (ID) card with a photograph of the customer.

5 . The system of claim 1 wherein the software application is configured to at least allow a monetary value to be added to the payment-credential information, and wherein the software application is configured to at least allow for a removal of at least a portion of the monetary value from the payment-credential information.

6 . The system of claim 5 further comprising:

a monetary transfer device wherein at least part of the monetary value is removed from the payment-credential information by the monetary transfer device.

7 . The system of claim 6 wherein the monetary transfer device is selected from one of the group of an automatic transaction machine (ATM), a merchandise checkout machine and a point of sale (POS) device.

8 . The system of claim 1 wherein the mobile customer device is at least one of the group consisting of: a mobile phone, a laptop computer and a mobile touchpad device.

9 . The system of claim 8 wherein an identifier of the mobile customer device is at least one of the group consisting of: a phone number and a MAC address, and wherein the identifier is stored in the payment-credential information.

10 . The system of claim 1 wherein the payment-credential logic is located in one of the group consisting of in a bank and in a retail establishment.

11 . The system of claim 1 wherein the payment-credential logic is located in one of the group consisting of a computer, a server and part of a POS device.

12 . The system of claim 1 wherein the payment-credential logic wirelessly communicates with the mobile customer device.

13 . A method of creating and using a payment-credential information comprising:

receiving a person's mobile-phone number at one of at least one server after the person's identity has been authenticated using a government-issued identification (ID);

at one of the at least one server, creating payment-credential information associated with the mobile-phone number, wherein the payment-credential information provides a way to make electronic payments; and

sending a message from one of the at least one servers to the person's mobile-phone, wherein the message contains information allowing access to the payment-credential information.

14 . The method of creating and using a payment-credential information of claim 13 further comprising:

sending a one-time verification code message from one of the at least one server to the person's mobile phone, wherein the message contains a code that can be used to verify that the person has provided to correct mobile phone number.

15 . The method of creating and using a payment-credential information of claim 13 further comprising:

funding the payment-credential information based at least in part on a check deposit, a cash deposit, or a combination thereof.

16 . The method of creating and using a payment-credential information of claim 13 further comprising:

comparing a facial image from a governmental-issued identification (ID) with a digital photograph of the person that was taken at approximately the time of authentication.

17 . The method of creating and using a payment-credential information of claim 13 further comprising:

receiving at the person's mobile-phone from one of the at least one servers a request to fund the payment-credential information; and

funding the payment-credential information based, at least in part, on receiving the request from one of the at least one server.

18 . The method of creating and using a payment-credential information of claim 13 further comprising:

sending to the person's mobile-phone from one of the at least one server a request to pay a utility bill; and

initiating a payment from the mobile-phone paying the utility bill based on the payment-credential information.

19 . The method of creating and using a payment-credential information of claim 18 further comprising:

at the one of the at least one of server, reducing a value of the payment-credential information corresponding to an amount of the utility bill.

20 . The method of creating and using a payment-credential information of claim 13 further comprising:

receiving at one of the at least one server a request to pay a third party, and

paying the third party using the payment-credential information.

21 . A financial-banking system comprising:

at least one payment-credential machine operable to accept inputs representative of a unique identifier of a mobile customer device of a customer after an authorized person verifies the identity of the customer; and

at least one server configured to receive the unique identifier of the mobile customer device and to create payment-credential information associated with the unique identifier, wherein one of the at least one server is configured to provide for a way to download a software application to the mobile customer device to allow the software application to facilitate a financial transaction from the mobile customer device.

22 . The financial-banking system of claim 21 , wherein the financial transaction is at least one selected from the group consisting of adding a first financial amount to the payment-credential information, removing a second financial amount from the payment-credential information, and transferring a third financial amount from the payment-credential information to a different financial account.

23 . The financial-banking system of claim 21 , wherein the mobile customer device is a phone with a phone number and the payment-credential information is based, at least in part, on the phone number.