Abstract: In accordance with one or more embodiments of the present disclosure, a device is configured to capture data using an image sensor, decode the data to identify a unique electronic token providing access to a database, process the unique electronic token, access the database and retrieve information associated with an account corresponding to the unique electronic token, generate an electronic user interface displaying the information, and in response to receiving, via the electronic user interface, login information associated with the account, provide access to the account.

Abstract: In accordance with one or more embodiments of the present disclosure, a system and method for facilitating electronic commerce over a network includes communicating with a user via a user device and a merchant via a merchant device over the network, receiving a purchase request from the merchant via the merchant device over the network on behalf of the user, generating an invoice with an invoice identifier related to the purchase request, printing the generated invoice with the invoice identifier, sending the printed invoice with the invoice identifier to the user via a postal service, receiving an invoice payment request from the user via the user device over the network, obtaining the invoice identifier from the invoice payment request, reconciling an invoice payment on behalf of the user via the user device over the network, and storing information related to the reconciled invoice payment.