A method for addressing a shopper's eligibility for frictionless checkout may include identifying at least one shopper in a retail store designated as not eligible for frictionless checkout; in response to the identification of the at least one shopper designated as not eligible for frictionless checkout, automatically identifying an ineligibility condition associated with the at least one shopper's designation as not eligible for frictionless checkout; determining one or more actions for resolving the ineligibility condition; causing implementation of the one or more actions for resolving the ineligibility condition; receiving an indication of successful completion of the one or more actions; and in response to receipt of the indication of successful completion of the one more actions, generating a status indicator indicating that the at least one shopper is eligible for frictionless checkout and storing the generated status indicator in a memory.

A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.

A method and apparatus for managing capabilities of an account of a user system at a commerce platform are described. The method may include receiving, at the commerce platform, a request from a user system that identifies an account at the commerce platform and includes a capability requested for the account, where the requested capability corresponds to a desired functionality of the account. The method may also include mapping the requested capability to a compliance plan that defines a set of account data to be collected before activation of the capability for the account by the commerce platform. Furthermore, the method may include transmitting a message, generated by the commerce platform, that comprises a listing of additional data to be provided by the user system before activation of the capability for the account, where the additional data comprises a minimal set of account data defined by the compliance plan less any data already associated with the account at the commerce platform. The method may also include, in response to receiving, by the commerce platform, at least one response from the user system that includes the additional data, activating the capability for the account.

A computer-implemented method includes generating on a user terminal a merchant web site associated with a merchant with code for a merchant web page, transmitting a product selection request for the user to a remote open payment system that is separate from the merchant, and displaying purchase information responsive to the product selection request using the code for the merchant web page.

A method and apparatus for a commerce platform coordinating a purchase of a product sold by a merchant system through a third party application are described. The method may include receiving a notification from the third party application requesting to purchase a product from within the third party application, wherein the notification comprises an identifier for the product and an identifier for the merchant system that sells the product. The method may also include a product checkout interface having an appearance consistent with an appearance of a user interface of the third party application, and transmitting the product checkout interface generated by the commerce platform to a user device executing the third party application causing the third party application to render the product checkout interface within at least a portion of the user interface of the third party application.

A system for determining whether shoppers are eligible for frictionless checkout is disclosed. The system has a processor that obtains image data captured using image sensors positioned in a retail store. The processor analyzes the image data to identify at least one shopper at one or more locations of the retail store. The processor detects, based on the analysis of the image data, at least one product interaction event associated with an action of the at least one shopper at the one or more locations of the retail store. Further, based on the detected at least one product interaction event, the processor determines whether the at least one shopper is eligible for frictionless checkout. In response to a determination that the at least one shopper is ineligible for frictionless checkout, the processor causes delivery of an indicator that the at least one shopper is ineligible for frictionless checkout.

A transaction system has Internet-connected partner platforms which display webpages with an Offer-Now button initiating coded instructions to display an electronic input form enabling a person to configure a transaction offer, and an Internet-connected service enterprise providing the coded instructions to the partners, configured specifically to partner requirements. Upon the person activating the Offer Now button from a mobile device, a verification code is sent to the device, to be returned to verify the device, and offer input provided through the device and the electronic form is tracked to be saved as an offer for the transaction.

In one embodiment, in an information processing apparatus, comprising at least one computer processor, a Bot executed by the at least one computer processor may perform the following: (1) receiving invoice information for an invoice for a payor, the invoice information comprising an invoice amount and a due date; (2) electronically communicating a payment reminder comprising the invoice amount and the due date to the payor in a chat interface; and (3) providing a payment interface in the chat interface.

An online concierge system enables users to create lists of items and generate a link allowing other receiving users to access a list by selecting the link. When a receiving user selects the link, the online concierge system generates a user-specific list from the original list. The user-specific list includes user-specific items selected for the receiving user that replace items in the original list based on item availability to the receiving user, receiving user preferences, and other receiving user-specific criteria. The receiving user can then view the user-specific items in the user-specific list via an interface allowing the user-specific items in the user-specific list to be included in an order in a single interaction.

A method to generate revenue from supplied content is provided. Content is provided to a consumer via a network by providing a content service that allows the consumer to select and retrieve content as a package together with a clearing of the selectable content to an operator used by the consumer to select and retrieve the content via the network. Any content selected by the consumer is supplied directly to the consumer via the operator. The operator is charged for the supplied content.