a system for organizing electronic mobile payment transactions using a mobile device that uses electronic payment systems utilizing a digital wallet to make payments to a vendor is provided . the vendor &# 39 ; s pos system the payment network and the digital wallet have a plurality of components for generating a digital receipt for use by the mobile device . the system includes an apparatus for hosting the digital wallet ; a first communication channel for communication of the location of the payer &# 39 ; s digital wallet as the destination where the receipt shall be sent ; a second communication channel for transmitting data concerning the purchase to the apparatus in a form useful to the apparatus so that the merchant generates the contents of a digital receipt that has data fields such that data can be stored for retrieval . the system also includes at least one application available to the mobile device that permits the data in the data fields to undergo data processing to be manipulated by a user of the mobile device for presentation on the mobile device .