Abstract: A facility for facilitating payments from a client to a freelancer is described. The facility provides a mobile app enabling the freelancer to open an account and solicit payments by clients. In response, each client can use any of a variety of forms of electronic payments to pay into the account. The freelancer can use a debit card issued for the account to spend or withdraw payments made into the account, and can use the app to track requests for payment, payments, client activity, and spending and withdrawals from the account.

Abstract: A facility for facilitating payments from a client to a freelancer is described. The facility provides a mobile app enabling the freelancer to open an account and solicit payments by clients. In response, each client can use any of a variety of forms of electronic payments to pay into the account. The freelancer can use a debit card issued for the account to spend or withdraw payments made into the account, and can use the app to track requests for payment, payments, client activity, and spending and withdrawals from the account.

Abstract: Disclosed are systems and methods for providing secure end-to-end transactions between consumers, merchants, and banks. A unique identifier is generated based on information specific to the device and information specific to the user and stored in a secure area of a device. A programming module executing on the device may initiate a transaction and interact with a merchant system to complete the transaction. Information provided by the programming module may enable the merchant system to negotiate with a banking system to complete the transaction. Profile information of a user may be collected by a programming module according to user selected preferences. An interface system may provide visual content to a merchant system and a banking system to verify consumer identity.