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 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.