A method for shopping from a social media site using a direct buy link comprises electronically storing a plurality of account profiles and receiving a data message electronically transmitted via a communication network. The method may query a social media database for an account profile associated with the consumer identifier and the PIN. The method may display a plurality of direct buy links associated with a plurality of products for purchase, wherein at least one of the direct buy links is a modified direct buy link. The method may receive a data message electronically transmitted via the communication network and display the modified direct buy link comprising the personal data corresponding to the product, a purchase data, and payment preference information. The method may transmit confirmation of payment and the modified direct buy link associated with the purchased product to the consumer device.

A system described herein may provide for the verification of payment information associated with a particular user request. The payment information may be verified by a third party and provide verification information to the call center processing the order request. Some information may be provided by the call center processing through the request by receiving information regarding the particular user from a repository.

A system and method are described that facilitate bilateral private interaction between participants who wish to initiate personal or business arrangements anonymously or without exposure except to identified trusted parties and the system and method act as an intermediary allowing the participants, typically buyers and sellers, to be matched based upon requests for and offers of goods and services, without revealing the identity or other identifying information about either the items or the participants until the participants choose to reveal that information.

An online concierge system generates a graph connecting items with attributes of the items and other items. Hence, the graph includes nodes corresponding to attributes and nodes corresponding to items, with an item connected to attributes of the item in the graph. Example attributes include a brand, a category, a department, or any other suitable information about the item. When the online concierge system receives a search query to identify one or more items from a customer, the online concierge system parses the search query into combinations of terms and compares different combinations of terms to the graph to determine connections between different combinations of terms in the graph. Based on measures of connectedness between combinations of terms and connections in the graph, items are identified from one or more combinations of terms. Information about the identified items is presented to the customer.

A computer-implemented method, computer program, and system for modifying the start time or the end time for an existing reservation of a good or service are provided.

An Anonymous Transaction Service (ATS) solves or alleviates the problems outlined above. The ATS provides anonymous, automated, risk-based differential pricing that allows consumers to receive offers from multiple suppliers with only a single credit report. The ATS facilitates any offer between a supplier and consumer that first requires an evaluation of the risk associated with making the offer. The ATS can be used for any product or service, such as credit cards, home mortgages, automobile loans, appliance loans, debt consolidation loans, insurance products, advertising and dating services, to name only a few.

Disclosed are various embodiments for generating customized user interfaces including offers for items available by multiple merchants in an electronic marketplace. A search of an item database is performed in response to receiving a search query. If an item is available from multiple merchants in an electronic marketplace, a user interface element including selectable components for a subset of the merchants is inserted in proximity to a presentation of the item in a user interface. Interactions with the user interface element can be used to predict a preferred merchant of the user.

A purchasing agent application operates on a mobile device to facilitate a user's purchase of a product featured on a web page of a third party merchant. The user can select an option in a web browser to share the web page URL with the application. The application communicates with a server to streamline the purchase process based on previously entered user identity, payment and shipping information. The application and/or server use machine learning models to automate the completion of any one or more form fields and/or link selections that the user would otherwise be required complete on the third party merchant's web site to execute the purchase. None of the user, the application or the server need have any prior relationship with the third party merchant. The machine learning models can be trained, for example, using supervised learning, unsupervised learning and/or reinforcement learning techniques.

A method for providing a time exchange for establishing a sales pitch meeting between a salesperson and a consumer or group of consumers is described. A matching engine is utilized to best match a salesperson with a consumer that is considered to be available and willing to attend the sales pitch meeting. Salespersons bid on consumers' time on an exchange. Via an Algorithm Marketplace, consumers may trade their time on one or more exchanges. The giver of the sales pitch meeting can offer incentives to encourage consumers to attend the sales pitch meeting.

A mobile device payment system and method, the method for a mobile device user to purchase goods/services from merchants with financing by a mobile device manufacturer including: providing a mobile device; establishing a user account; establishing merchant accounts; transforming the merchant accounts into a universal merchant account data set; providing the universal merchant account data set to the mobile device user; storing the universal merchant account data set; requesting the mobile device manufacturer to load consumer credit; loading the credit amount; identifying goods/services for purchase; determining a total price for the identified goods/services and a merchant identifier associated with the selected merchant; actuating a purchase button; retrieving merchant bank deposit instructions; retrieving purchase credit; and routing the retrieved credit to the selected merchant in accordance with the retrieved merchant credit deposit instructions.