Abstract: A method for a system and method of data processing whereby customers can pay their tab or check out from a merchant without having to disclose sensitive personal and financial information to the merchant. Upon arrival at a merchant's place of business, the user is prompted to take a self-portrait photograph, and a unique random identifier code is generated through a mobile application. The unique random identifier code is associated with a user's payment information, and the user's tab. After ordering menu items from a merchant, the user may pay its tab through the application and without disclosing identifying or financial information to the merchant. Upon receipt of tabs from one or more users, wait staff at the merchant's place of business are provided with user photograph, order and location information, along with delivery instructions, in order to fulfill each tab quickly and accurately.

Abstract: A method for a system and method of data processing whereby diners can pay their tab or check out from a merchant without having to disclose sensitive personal and financial information to the merchant. Upon arrival at a merchant's place of business, a unique random identifier code is generated through a mobile application. The unique random identifier code is associated with a user's payment information and the user's tab. After ordering menu items from a merchant, the user may pay its tab through the application and without disclosing identifying or financial information to the merchant.

Abstract: A system and method enabling people, including children, to shop on-line in a safe and secure manner. A gift card having a predetermined monetary value is purchased by a parent, friend or other third party. An account is established in conjunction with a web site with a starting account balance related to the predetermined monetary value. As a user shops at the web site, their account balance is reduced as items are purchased. One or more filters are used to limit the types of products that can be purchased on the web site. Such filters may relate to a user's age, gender, hobbies or interests, price range, media maturity rating, and so forth. In the preferred embodiment, consent information is received in conjunction the COPPA (Child Online Privacy Protection Act) or other applicable law(s). The consent information includes usage options, opt-out provisions, child master records information, etc. The method further includes the step of funding the account by a third party.