Abstract: A method for managing payment transactions between a merchant and a payment-service-provider (PSP) using a payment management device in communication with a memory device. Each payment transaction is initiated by a consumer using a payment card. It involves (a) sending, to a PSP device associated with the PSP, a request for an authorization for a payment transaction; (b) receiving, from the PSP device, authorization for the payment transaction; (c) saving, in the memory device, data relating to the consumer and the payment transaction on a condition that the authorization for the payment transaction is received from the PSP device; (d) repeating steps (a), (b) and (c) for each of the plurality of payment transactions for a pre-determined period of time; and (e) aggregating the plurality of payment transactions into an aggregated payment transaction based on the data relating to the consumer and each of the plurality of payment transactions.

Abstract: A method for conducting a transaction, the method comprising: storing, in a database, a code in association with a first client identifier data and a product identifier data, the first client identifier data identifying a first client device, the product identifier data identifying a product of the first client device; receiving from a second client device the code and second client identifier data, the second client identifier data identifying the second client device; determining the product identifier data and the first client identifier data from the database using the received code; generating instruction data based on the received second client identifier data and the determined product identifier data; and sending the instruction data to a transaction processing system to instruct the first client device to release the product to the second client device.