Methods for purchasing of goods or services over the internet. A customer has a customer account set up at a bank with associated account information. The account information includes verification information for verification parameters, such as authorized computer identification, authorized delivery addresses, authorized user identification, authorized telephone caller identification, and/or other account information. An order is placed by a user via an ordering computer which provides order information. Such order information includes verification variables used by the bank. Verification and/or authentication using one or more variables of the customer account information is used by the bank to validate the order before assuring payment to the merchant.

In some examples, a computing device sends, to an application on a user device, item information to cause the application to present a user interface including information about items available from a merchant. In response to receiving a user input via the user interface to select an item from the merchant, the computing device determines that a likelihood that the item will be unavailable exceeds a threshold. The computing device sends a communication that causes the application to present a plurality of selectable options to indicate actions to perform when the item is unavailable. The computing device receives a request to place the order for the item, and an indication of the action to perform. In response to receiving a communication from the merchant device indicating that the item is unavailable, the computing device sends an instruction to the merchant device indicating the action to perform.

Embodiments for creating a unified catalog include systems and method that import catalog data from one or more underlying catalog systems. The systems configure required fields for order fulfillment and receive a request for at least one selected item from the user. The systems further present at least one required field to the user in response to the request and send an order for the at least one selected item to the one or more catalog systems, the order comprising data from the at least one required field.

An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services.

In an example of an ordering method, an application receives an order for a product. The application may be an in-vehicle application resident on a memory of an in-vehicle infotainment unit of a vehicle or a mobile-device application resident on a memory of a mobile device. Without contacting a merchant of the product, the application determines a preparation time for the product. The application dynamically determines an estimated time of arrival of the vehicle or the mobile device at a location of the merchant. The application holds the order for the product until the estimated time of arrival is equal to or less than the preparation time for the product.

A system includes one or more processors and one or more non-transitory computer-readable media storing computing instructions that, when executed on the one or more processors, cause the one or more processors to perform: selecting, by a greedy tote reduction algorithm within an infeasible totes loop, items that have a highest volume restriction and a highest weight restriction for each of a plurality of respective totes; iteratively executing a swap of the items; iteratively searching for candidate solutions until a solution of picklists for the plurality of respective totes containing the items, as swapped, is found; executing a minimum trolley loop algorithm on the solution of picklists to create combined picklists; and displaying to a picker on an interface of a computing device, turn-by-turn directions within a pick walk for the combined picklists. Other embodiments are disclosed herein.

A system includes a plurality of stocked items arranged throughout a store for picking according to one or more electronic customer orders, a computing system configured to wirelessly transmit the electronic customer orders, and a mobile scanning device including a display. The mobile scanning device is configured to wirelessly receive an electronic customer order from the computing system. The electronic customer order includes a plurality of ordered items indicating which of the stocked items are to be picked. The mobile scanning device is configured to store an image-based map that indicates locations of the stocked items in the store and arrange at least one of the plurality of ordered items on the display based on the image-based map.

Systems and processes may provide for commerce at a fuel dispenser. In one general aspect, a system and process at a fuel dispenser may have the ability to present a user interface including data regarding at least one merchant remote from the fuel dispenser's fueling facility and to determine if ordering data corresponding to the remote merchant has been received. If ordering data corresponding to the remote merchant has been received, the system and process may have the ability to present a user interface regarding payment data. The system and process may also have the ability to determine if payment data has been received and, if payment data has been received, generate a message regarding the ordering data for a remote merchant computer.

In an electronic transaction terminal (20), a presenter (601) presents to a customer a product page including a product and an insertion object associated with the product. A receiver (602) receives an instruction from the customer. When an instruction selecting the insertion object associated with the product is received, an inserter (603) inserts the selected product into an electronic cart of the customer. When the product is inserted into the electronic cart, if a transition condition is satisfied, the presenter (601) causes the screen to transition from the product page to a purchase page that starts payment for purchasing products already inserted into the electronic cart. If the transition condition is not satisfied, the presenter (601) presents, along with the product page, an insertion notification indicating that the product shown on the product page was inserted into the electronic cart, and after waiting until an instruction selecting another product is received, causes the screen to transition from the product page to a product page showing the selected other product.

A mobile device can establish a communication with a separate device via a single function action such as bringing the devices near to each other. A method can include establishing a communication between a mobile device and a separate device a via a wireless link, presenting an instruction associated with the potential purchase and receiving, after the instruction is displayed and interpreted by the mobile device, a combination of a first type of input and a second type of input with the mobile device, at least one of which can be a security measure to prevent unauthorized purchase. The method includes retrieving the payment data from a memory of the mobile device and transmitting the payment data via the wireless link to the separate device to make a purchase.