Abstract: A multi-merchant portal that enables a user to access e-commerce stores is provided. Each e-commerce store has respective merchant categories browsable by the user at a customer device through the portal, each merchant category comprising products available for purchase from a respective merchant. In response to receiving a request from the customer device to switch access of the user browsing a selected merchant category of the first merchant in a first e-commerce store, to a second e-commerce store, the portal determines a system category corresponding to the selected merchant category using mapping data mapping merchant categories to system categories and then determines a destination merchant category of the second merchant in the second e-commerce store corresponding to the determined system category using mapping data mapping the system categories to the merchant categories. The portal switches user's access to the destination merchant category in the second e-commerce store.

Abstract: An enhanced smart refrigerator (ESR) for automatically populating a virtual shopping cart is provided. The ESR stores a purchase log including a purchase history of a target product. The ESR determines a current interval between a most recent delivery date and a proposed next delivery date based on the purchase history of the target product, and calculates a purchase propensity for the target product based on the current interval and the purchase history of the target product, and automatically adds the product to the virtual shopping cart for submission to a party for purchase of the target product if the purchase propensity meets a first criteria.

Abstract: A method for updating a user service platform based on product data in a user payment transaction includes: storing an account profile, the account profile including data related to a user including a user identifier and platform data associated with a user service platform; receiving a transaction message related to a payment transaction, the transaction message being formatted pursuant to one or more standards and including a plurality of data elements and at least one of: an addendum and one or more data elements configured to store product data associated with one or more products purchased in the related payment transaction; generating a data message including data associated with the product data included in the received transaction message; and electronically transmitting the generated data message to the user service platform based on the platform data included in the account profile.

Abstract: A multi-merchant portal that enables a user to access e-commerce stores is provided. Each e-commerce store has respective merchant categories browsable by the user at a customer device through the portal, each merchant category comprising products available for purchase from a respective merchant. In response to receiving a request from the customer device to switch access of the user browsing a selected merchant category of the first merchant in a first e-commerce store, to a second e-commerce store, the portal determines a system category corresponding to the selected merchant category using mapping data mapping merchant categories to system categories and then determines a destination merchant category of the second merchant in the second e-commerce store corresponding to the determined system category using mapping data mapping the system categories to the merchant categories. The portal switches user's access to the destination merchant category in the second e-commerce store.

Abstract: A method of processing a contactless transaction includes creating a mesh network having a plurality of proximity interface nodes. Each proximity interface node is configured to communicate, wirelessly, with a proximity enabled mobile device. An area is serviced with proximity connectivity by dividing the area into zones and associating each zone with a corresponding one of the proximity interface nodes. The proximity enabled mobile device is interfaced with the proximity interface node that is co-located in the same zone as the proximity enabled mobile device for communicating transaction information associated with an event in that particular zone. The mesh network is interfaced with a payment network for processing the transaction information during a payment transaction.

Abstract: A method for updating a user service platform based on product data in a user payment transaction includes: storing an account profile, the account profile including data related to a user including a user identifier and platform data associated with a user service platform; receiving a transaction message related to a payment transaction, the transaction message being formatted pursuant to one or more standards and including a plurality of data elements and at least one of: an addendum and one or more data elements configured to store product data associated with one or more products purchased in the related payment transaction; generating a data message including data associated with the product data included in the received transaction message; and electronically transmitting the generated data message to the user service platform based on the platform data included in the account profile.

Abstract: An enhanced smart refrigerator (ESR) for automatically populating a virtual shopping cart is provided. The ESR stores a purchase log including a purchase history of a target product. The ESR determines a current interval between a most recent delivery date and a proposed next delivery date based on the purchase history of the target product, and calculates a purchase propensity for the target product based on the current interval and the purchase history of the target product, and automatically adds the product to the virtual shopping cart for submission to a party for purchase of the target product if the purchase propensity meets a first criteria.