Abstract: A system for enabling a retail transaction between a brick-and-mortar retailer and a customer, comprising: a mobile device including an application operated by the customer while physically present in the brick-and-mortar retailer, wherein the application is designed to obtain product information about a product and offer information from the customer including a proposed price for the product; a user information aggregation server designed to receive the product information and the offer information from the application on the mobile device and augment the product information and offer information with information about the customer, and to forward the product information, offer information, and customer information to a decision server; and further designed to receive a decision as to whether the offer has been accepted by the decision server, wherein the decision is at least partially based on the customer information, and to notify the customer.

Abstract: A system is provided comprising: a mobile device including an application to obtain purchase information from a physical receipt, wherein the purchase information includes a product identification and a purchase price; a monitoring server designed to receive the purchase information from the application on the mobile device, correlate the purchase information with a retailer, retrieve a retailer purchase protection policy associated with the retailer, wherein the retailer purchase protection policy contains limitations under which a credit can be authorized, monitor a current price for a product identified by the product information, and, when the current price for the product drops below the purchase price and the limitations of the retailer purchase protection policy have not been violated, send the purchase information to the retailer with as request for a credit.