Abstract: The present disclosure involves an electronic device. The electronic device includes a user interface configured to receive an input from, and display output to, a user. The electronic device includes a memory storage configured to store programming code. The electronic device includes a computer processor operatively coupled to the memory storage. The computer processor component is configured to execute the computer programming code to perform the following operations: approving a group of contacts of the user as delegated buyers; receiving, through the user interface, an alert that one of the contacts is within a predefined geographical range of a remote merchant; requesting the contact to buy merchandise from the merchant on behalf of the user; establishing a secure electronic payment channel with a mobile communications device of the contact; and transferring, via the secure electronic payment channel, funds to the contact for buying the merchandise on behalf of the user.