Abstract: Systems and methods are provided for use in facilitating payment account transactions, through consumer communication devices, at merchant locations. One exemplary method includes capturing a merchant indicator for a merchant in connection with a payment account transaction at the merchant for at least one product and receiving a checkout token for the payment account transaction from a person-to-merchant (P2M) engine. The checkout token is based, at least in part, on the captured merchant indicator. The method further includes transmitting a request for the payment account transaction at the merchant, where the request includes the checkout token, and whereby the consumer is permitted to purchase one or more products from the merchant, using the consumer's communication device and without interacting with a point-of-sale (POS) terminal.

Abstract: A method is provided for permitting a consumer to purchase gasoline without contemporaneously taking delivery of the gasoline. The method includes establishing a credit of a purchase of gasoline at a specified price per unit, without delivery. The method further includes authenticating a purchase of a certain number of units of gasoline at a certain price per unit, with delivery, from a gas retailer. The purchase is compared with the credit to determine if the credit may be redeemed with the sale. If so, the sale amount is adjusted to reflect an adjusted sale amount, and the adjusted sale amount is then cleared as a final transaction. Advantageously, with the subject invention, a consumer may pre-purchase gasoline at an agreed-to price without delivery of the gasoline, with receiving credit at a subsequent purchase in a single transaction, even if the amount of gasoline exceeds the pre-purchase amount.