Systems, methods, apparatus, processes, and computer program code for conducting transactions are described which allow a first party to a transaction to identify a second party to a transaction. In one or more embodiments, a mobile device may be operated to conduct transactions with merchants, service providers, and other devices, such as automated teller machines (ATMs). A transaction token issuing authority associated with a merchant or point of transaction may be determined such that the mobile device may communicate with the appropriate entity or entities to conduct a transaction.