Abstract: A system including a computerized device, including a processing system of the computerized device including one or more processors, and a memory system including one or more computer-readable media, where the one or more computer-readable media contain instructions that, when executed by the processing system, cause the processing system to perform operations comprising identifying a specific purchasing entity buying at the selling business, outputting an invoice that is unique for the purchase, receiving a buyer's selection in which the buyer would like to send a payment request for the invoice to another person for the completion of the payment, and sending a command to an account or device associated by the another person to complete the purchase.