Pay your bills with a cell-phone scan, or order a birthday gift off your daughter's wish list, which she made by scanning items at the mall.

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Imagine a week before your birthday all your friends start seeing personalized display ads all over the internet with a picture of you and a picture of the item you desire as a gift on your birthday (much like a wedding registry).

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When the Treasury hands you a birthday gift charged to your own credit card, are you made richer?

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"Sometimes it's finding the perfect gift for your wife's 40th birthday, " said Jenene Ronick, the founder of Luxury Attache, a lifestyle management company that employs concierges at about 30 Manhattan residential buildings.

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