Abstract: Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant, generating a payment code, transmitting the payment code to the mobile device, receiving the payment code and a payment request from a merchant, and processing the payment request.

Abstract: A payment provider preauthorizes and commits consumers to a group purchase when the consumers provide an indication or intent to make a group purchase. Upon receiving the intent, the payment provider may ask the consumer whether they wish to irrevocably commit to the purchase at the advertised price. If so, the payment provider may hold or freeze the appropriate amount in the user account or otherwise commit the funds to the merchant if the minimum number of purchasers is met for the group purchase. The payment provider may release the funds to a merchant account even if the consumer decides, after the initial commitment, to not make the group purchase. Thus, others who committed to the group purchase will still be able to take advantage of the group deal.

Abstract: Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant without a request from the user, generating a payment code without a request from the user, transmitting the payment code to the mobile device, receiving the payment code and a payment request from a merchant, and processing the payment request.

Abstract: Methods and systems can facilitate more convenient shopping by users of a payment provider, such as Paypal, Inc. A user can purchase a product simply by swiping a card without being required to enter additional information, such as the user's personal identification number (PIN). Thus, the checkout process at the point-of-sale can be performed more easily and quickly. More particularly, a user can open an app on a mobile device and sign in to a payment provider system using the app. The app can show merchants near the user. The user can select one or more of the merchants. Selecting a merchant allows the user to check in with the merchant. Checking in with the merchant can result in pre-authorization of a purchase by the user with the merchant.

Abstract: Once a user has made a purchase (or during a checkout), a service provider may offer one or more creditors to the user to fund a payment on behalf of the user. The service provider may offer this service to one or more creditors in an auction or bid scenario, in which creditors may submit bids to “win” this service. The winning creditor(s) or payment provider(s) may be featured or displayed to the user when the user is deciding how to make a payment. In this way, a user is more likely to either sign up with a creditor and use the creditor to make a payment or use an already-existing account with the creditor to make a payment.

Abstract: A payment provider preauthorizes and commits consumers to a group purchase when the consumers provide an indication or intent to make a group purchase. Upon receiving the intent, the payment provider may ask the consumer whether they wish to irrevocably commit to the purchase at the advertised price. If so, the payment provider may process a payment request from the consumer to the merchant, but without actually moving funds to a merchant account. If the payment request can be approved, the payment provider may hold or freeze the appropriate amount in the user account or otherwise commit the funds to the merchant if the minimum number of purchasers is met for the group purchase. If the minimum number of purchasers is not met and/or the merchant cannot fulfill the group offer, the payment provider may take off the hold or release the funds back to the consumer's account.

Abstract: A service provider communicates, to a user device, a reminder and suggestions to a user for possible gift purchases for a recipient, based on recipient purchase history, restrictions set by the user for the recipient, preferences set by the user for the recipient/gift, the occasion for the gift, and/or other factors. The user can select one or more recommended gifts from the user device and make the purchase through the user device.

Abstract: A user is able to change one or more payment options after payment has already been made to a merchant. A payment provider processes a payment request during a transaction with the merchant with default or selected payment options. After the transaction with the merchant is completed and the merchant has been paid, the user may change one or more of the payment options, such as funding source(s) and terms/conditions of payment (e.g., deferment period, installment period/amount, etc.). During the transaction, the user may make a purchase through the payment provider even if the user does not have an account with the payment provider by providing user information, such as name, address, phone number, email address, and date of birth, but not a social security number or funding source information.