Abstract: Systems and methods for completing a transaction are described. A client device is connectable to a network. The client device is configured to process a transaction off-line or on-line to create completed transaction data. A data manager, or controller, is provided for sensing a network connection to the network and for transmitting the completed transaction data to the server device if a network connection is sensed by the data manager. The client device is further configured to receive confirmation data from the server device indicating that the server device received the completed transaction data. The confirmation data comprises output data indicating that the transaction completion data was successfully received by the server device. Also described is dynamic management of communication and processing resources such that large transmissions of non-crucial data does not disrupt relatively smaller or more important transactions.