Abstract: Systems, devices and methods that receive data indicative of a description of a product or service available for purchase from a merchant including software instructions that cause the device to perform steps for determining whether a user of the device is recognized by one or more payment processors as having an existing account with each payment processor, and wherein, when the user is identified as having an account with more than one payment processor, the software instructions cause the device to choose a payment processor from the payment processors with whom the user of the device has an account, and wherein the software instructions cause the device to present a payment processor-specific checkout element that identifies the chosen payment processor and to begin the payment process for the product or service with the chosen payment processor upon a user selection of the payment processor-specific checkout element.

Abstract: A method for predicting a spatial location of a real-world phenomenon at a future time comprises: (a) receiving dependent variable data for one or more dependent variables associated with the phenomenon from an observation source, the dependent variable data being time stamped and including a geographical reference; (b) responsive to receiving the dependent variable data, collating the dependent variable data with independent variable data for one or more independent variables associated with the geographical reference and storing the collated data in a data store; (c) receiving a prediction request for predicting the spatial location of the real-world phenomenon at the future time; (d) retrieving collated data that satisfy a predefined relevance criterion; and (e) implementing an algorithm that utilises or is derived from the retrieved collated data and predicting the spatial location of the real-world phenomenon based on the output of the algorithm.