A transaction is facilitated at a business's touchpoint by transmitting from a wireless device (e.g., a patron's cell phone) to a transaction server operated by a transaction-funding business: patron-identifying information for the patron and a touchpoint ID associated with the touchpoint read using the wireless device. The transaction server authorizes the transaction, transmits that authorization to the cell phone and/or the touchpoint business, and the touchpoint business provides goods/services to the patron. In some implementations, the transaction-funding business transfers outgoing funds for the transaction to the touchpoint business and receives incoming funds for the transaction from the patron. In a casino, a patron can use his/her cell phone to purchase gaming credit at a gaming machine without using a paper voucher or currency. The transaction-funding business funds the purchase for the patron without any funds ever residing on or passing through the patron's cell phone.