Abstract: A computer-implemented method of providing payment methods for an online transaction includes: receiving an unencrypted shopper identifier credential that is associated with a specific user and is input via a checkout user interface, wherein the checkout user interface is associated with the online transaction and is displayed at a user device; in response to receiving the unencrypted shopper identifier credential, generating a first encrypted shopper identifier credential based on the unencrypted shopper identifier credential; sending a first query that includes the first encrypted shopper identifier credential to a first payment instrument manager, wherein the first query requests an indication that the first encrypted shopper identifier credential is associated with an account for the first payment instrument manager; receiving a response from the first payment instrument manager that includes the indication; and causing the checkout user interface to be modified with a selection field, wherein the selecti

Abstract: Systems and methods for providing personalized information to a registered customer of a business make use of a central computer server and a database that is in communication with the central computer server. The database includes data associated with the registered customer and data associated with products offered by the business, and is managed by the central computer server. A mobile device associated with the registered customer communicates with the central computer server via a software application running on the mobile device, and an image of a selected product is thereby communicated from the mobile device to the central computer server. Upon the identification of the selected product from the image, data associated with the selected product is retrieved and compared to data associated with the registered customer to thereby transmit personalized information to the mobile device of the registered customer based on that comparison.