Abstract: The present disclosure relates to a mobile computing device that is configured to secure a purchase transaction between a customer and merchant, and facilitate self-checkout between the user and any of several merchants. The system provides a payment processing network that achieves secure transactions free from fraud, while also having low fees. The system is based on establishing a relationship between a merchant's bank and a customer's bank, prior to a purchase transaction by the customer. The customer may then authorize their own bank to push funds to the merchant's bank in order to purchase goods or services using their smartphone, without the need to share any financial information between the user and merchant themselves. The smartphone is further configured to draw from multiple merchant product databases so that the customer may self-checkout, without the need to use a merchant-specific app, all within one app-linked system for payment and shopping.

Abstract: The present disclosure relates to a mobile computing device that is configured to secure a purchase transaction between a customer and merchant, and facilitate self-checkout between the user and any of several merchants. The system provides a payment processing network that achieves secure transactions free from fraud, while also having low fees. The system is based on establishing a relationship between a merchant's bank and a customer's bank, prior to a purchase transaction by the customer. The customer may then authorize their own bank to push funds to the merchant's bank in order to purchase goods or services using their smartphone, without the need to share any financial information between the user and merchant themselves. The smartphone is further configured to draw from multiple merchant product databases so that the customer may self-checkout, without the need to use a merchant-specific app, all within one app-linked system for payment and shopping.

Abstract: A device receives an indication to run on plural devices in a kiosk mode, wherein the indication identifies the application and indicates that the application is to be run in the kiosk mode on the device. A first graphical icon is displayed within a login screen on the device; the first graphical icon for initiating the application on the device in the kiosk mode. A second graphical icon is displayed within the login screen, the second graphical icon for logging into the device via a user profile. A user selection, corresponding to the first graphical icon or the second graphical icon, is received at the device. In a case where the received user selection corresponds to the first graphical icon, the application runs on the device in the kiosk mode. In a case where the received user selection corresponds to the second graphical icon, the user is logged into the device.

Abstract: A method includes transforming a mode of a computer from an operating system mode to a kiosk mode, wherein the kiosk mode provides a user interface for one web application, and wherein the kiosk mode prevents access to any other application or the operating system of the computer. The computer automatically updates the web application via a network while the computer is operating in kiosk mode, and automatically updates an operating system of the computer via the network while the computer is operating in kiosk mode. The computer automatically re-launches the web application in response to detecting an interrupted status of the web application while the computer is operating in kiosk mode.

Abstract: A method includes transforming a mode of a computer from an operating system mode to a kiosk mode, wherein the kiosk mode provides a user interface for one web application, and wherein the kiosk mode prevents access to any other application or the operating system of the computer. The computer automatically updates the web application via a network while the computer is operating in kiosk mode, and automatically updates an operating system of the computer via the network while the computer is operating in kiosk mode. The computer automatically re-launches the web application in response to detecting an interrupted status of the web application while the computer is operating in kiosk mode.