Abstract: A selection system, including: (a) a user interface for use in selecting an item, the user interface being served to and stored on a user device only for the duration of a session, and for providing categories, selection criteria and item data selectable using the device; and (b) a server component for serving the user interface for the session, for serving only category data during the session, in response to selection of one of the categories when the category is not a leaf category, to change the categories provided by the user interface, and for serving only selection criteria and item data during the session in response to selection of a leaf category of the categories.

Abstract: A computer-based funds transfer service provides functionality for users to send and receive payments via a web-based user interface. In one embodiment, the web-based user interface provides functionality for a first user of the service to generate and submit a payment request for sending money to, or collecting money from, a second user, who may but need not be registered with the service. The first user may specify the second user by supplying an email address of the second user, which may be used by the service to notify the second user of the payment request. The email message sent to the second user may include a URL that can be accessed by the second user to register with the service (if not already registered) and complete the transaction.